Posts Tagged ‘Health’

Car Insurance – Cheap Low Cost Health Insurance – Buy Term Life Insurance Online

Article by insquodom









It’s easy and user friendly, that keeps the consumer in control of finding the cheapest and best coverage auto insurance policy for their needs. Another advantage of these car policies is the availability of a monthly repayment plan. Traveling can be a whole lot of fun especially for holiday travelers looking forward to some rest and recreation. Many insurance companies consider several factors before they agree to provide car insurance. Simply visit for more detailed information regarding on how you can buy temporary car insurance online. Again, if one’s car is out of action or is stolen, an alternative and similar car is made available till such time as the claim is settled. For example, if you are driving a fire red corvette around, you better believe that you will be getting the furthest thing away from a cheap rate. They will ask about your driving record, whether you have had any accidents. If its being used for business and your insurance is just for personal use, if you happen to get into an accident, your insurance company might not pay the bill. Car insurance policies at Quinn have a series of great benefits associated within them. When traveling by car to another country, such as Mexico, it is important to know that American liability insurance will not cover accidents that you may have in Mexico. There are many insurance companies catering their service but you have to go for the one, which will offer low cost at the same time, and the services should be above average. If you are shopping around for auto coverage there are a number of things to watch out for when making car insurance comparisons. Body shops have to deal with insurance companies on a daily basis, so they will have first-hand knowledge of how well each company handles its claims and payouts. You will see the amount of coverage you are getting, how much the benefit is for the coverage, the duration of the policy. You can find out where your cars risk factor stands at the Insurance Institute for Highway Safety (iihs.org). Prestige car insurance also makes it possible for one to have a repairer of choice as well as superior service in the event of claims. The basic requirement from prestige car insurance is not just insurance premiums as such. When it comes to insurance for these high value cars, run of the mill or normal insurance would not do as it would not be adequate to meet the high standards of discerning high net worth customers. Your first reaction on hearing the term discount car insurance plan may be surprise. People, particularly students, who want to drive back home during holidays could not afford the money to buy a personal car, or could not gather a auto insurance for a relatively short distance because of the higher cost involved. This allows you to quickly and easily see which company is offering the best price for the services you need. Using this plan, you can pay for your auto insurance on a monthly basis and do not have to struggle to find money to get your premium paid upfront. Some of these things you have control over and some of them you don’t. Very rarely would you find a credit card that offers primary accident coverage. When you’re doing your car insurance comparisons, once you’ve found a number of strong companies and determined the type and amount of coverage you need you’ll want to find out which company offers you the best price. Finding a cheap car insurance quote online, is a safe and secure way to compare prices in the privacy of your own home. You will see the amount of coverage you are getting, how much the benefit is for the coverage, the duration of the policy. For example, if you are driving a fire red corvette around, you better believe that you will be getting the furthest thing away from a cheap rate. By comparing the quotes of a number of different companies you could potentially save hundreds of dollars every year by going with a company that offers the type and amount of insurance you need at the best price. You will see the amount of coverage you are getting, how much the benefit is for the coverage, the duration of the policy. In most cases acquiring second car insurance involves a simple phone call to your insurer to add the car to your primary policy and will not require an expenditure of funds to make the addition to your primary policy. Hence your dream of low cost car insurance will become a reality. With Erie car insurance an individual can look forward to free road side assistance on a 24-hour basis.



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California Small Business Health Insurance – Adequate Coverage for the Self-Employed

Article by Adam Sepulveda









Pretty much everyone knows how important it is to get a good health insurance plan. Nobody is guaranteed to remain in good health at all times, no matter how healthy they may currently be. Some people might be able to go for 10 years without ever experiencing much in the way of serious medical problems, outside of a cold here and there. Others may be stricken with a serious illness from a very early age. It is just impossible to know what direction your own personal health status is going to take. Most people get their health insurance coverage from their employer, but what about those who run their own business? For those who live in California and are self-employed, there is California small business health insurance.

Some people may believe that getting California small business health insurance will be much more costly than getting medical insurance through their employer. While that is not necessarily false, there is certainly a reason for it. Health insurance for the self-employed, small business owner is very much different from getting insurance from your employer or even purchasing coverage for you and your family. There are actually a lot of benefits that you will get with a small business insurance plan that you don’t get with an individual plan.

One benefit that you will receive when purchasing California small business health insurance is that you will be put on a group plan, making for lower premiums than if you simply got an individual plan for yourself. Having your small business on a group plan not only covers you and your dependents, but it also covers all of your employees and all of their dependents. The rules for getting this type of insurance coverage are very different from those involved with getting an individual plan. For example, for individual insurance coverage, you will be subjected to extensive medical exams and the amount you end up paying will be solely based upon how healthy you are. With the group plan you get with a small business, since there are more people on the plan, the insurance company’s risks are spread out over a bigger pool of people.

More importantly than that though, when purchasing California small business health insurance, there are state laws (California law AB1672) that say insurers must offer coverage to your small group, as long as you meet some general guidelines. No such law exists making this a requirement for an individual.



About the Author

Adam recommends visiting this informative site for more information about California small business health insurance and coverage options available.










Making health insurance cheaper for small businesses

Article by David Mayer









Health insurance spendings account for a large part of business activity costs, and their share is especially large with small businesses and home-based enterprises. And with the continuous trends in rates increase it’s getting harder and harder for small enterprises to carry this burden, causing many small businesses to drop health coverage benefits altogether.

A recent study conducted by the Commonwealth Fund in New York has concluded that small businesses tend to pay 18% more for health insurance than their larger counterparts all across the country. That’s because large enterprises have a better negotiating power due to larger numbers of workers to be insured. Having that in mind, being despaired about the thing won’t help your small business much. About 60% of 46 million people in the US who have no health insurance coverage are employed by small enterprises and these numbers keep on growing. Such tendencies are no good news for small businesses, because qualified and better workers tend to pay much attention to health benefits at the enterprise and not having them lowers your chance of attracting workers who will help develop your business better.

In order to cope with the Catch 22 situation here, you have to learn how to minimize your healthcare costs and provide your employees with the benefits they deserve. Here are some tips on how to get exactly what you need:

1. Keep the workers healthy. Instead of fighting the consequences and paying for costly medical coverage, you can invest into your workers’ health and promote different wellness programs at your business. Introduce regular screenings, check-ups and promote a healthy lifestyle by offering your employees free gym sessions or other benefits. It’s much easier to prevent a disease rather than treat it.

2. Lower the coverage. Larger coverage amounts lead to higher premiums and a logical solution for this would be lowering the coverage. You can also ask your employees to partially contribute to the premiums if they want to keep the initial coverage amounts. Of course, this would be quite unpopular among your employees but if your small business insurance plan is in question you have to consider going with such unpopular measures.

3. Think about HSAs. Health savings accounts are gaining popularity amongst small business owners as they provide more flexibility and tax benefits than typical health insurance options. HSAs combine high-deductible health insurance plans with tax-free savings accounts, making the premiums you have to pay lower, and providing more saving options to your employees. And the fact that all withdrawals are tax-free makes it a great option for those who want to get great small business insurance health coverage without constraining the enterprise’s budget.

4. Team up with other small businesses. You can join an association or buying union who other local small businesses in order to gain better rates. Such associations provide small enterprises the bargain power of big companies because when combined, such groups have a large number of employees to be insured which eventually leads to more competitive premiums compared to going off alone. Member fees are usually quite low with such groups while the benefits are great, so think about joining one of you have in your area. This might give you good rates on other forms of small business insurance as well.



About the Author

If you are interested in the point of view expressed by David Mayer, visit http://www.buysmallbusinessinsurance.com/articles/health-insurance-for-small-businesses.html for more of his professional writing on a whole array of topics that relate people all around the world.










www.business.com Understand general liability insurance for your small to medium-size business BIO: Tim Gaspar is the owner of Gaspar Insurance Services. TRANSCRIPT: Hello. My name is Tim Gaspar with Gaspar Insurance Services. We insure small and mid-sized businesses and handle their insurance needs. Today I am going to talk a little bit about general liability insurance, what exactly it is, and how much you need as a business owner. Having general liability insurance is the absolute basis of any insurance. I would say that if you could only afford to have one insurance, I think for most businesses general liability would be the insurance they would get. It is the absolute foundation to having your business insurance in place. Essentially, general liability insurance is the protection you have in the event you’re responsible, or your business is responsible for causing damage to a person or to property. And this can happen in a number of different ways. One of the most common is with a vehicle accident. Let’s say your company trucks gets into an accident. You hit somebody and damage their car, and let’s say they get injured. If they file a lawsuit against you, that’s covered under your general liability insurance. Along the same lines, let’s say you are manufacturing a product of some kind. Let’s say for instance that you are a pistachio distributor. If you distribute pistachios and the people that eat them end up getting sick, let’s say you get sued in a class action
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Benefits Of NJ Small Business Health Insurance

Article by April Gilbertson









Running a small business can be a big financial challenge no matter how long you have been working in a certain field. One of the biggest costs that a company may incur is health insurance, and a lot of small businesses opt not to provide such coverage for their employees because of the costs involved. There are many benefits to providing this type of insurance though, so you may want to consider it for your company. Here is a list of just a few benefits you could find by providing NJ small business health insurance coverage.

You can entice well-qualified employees to come work for you if you offer health insurance as an incentive. Many employees expect that from their employers because that saves them money in the long run. If you sacrifice the funding it would take to keep your employees insured, you could recruit the best of the best to be on your team. This could yield you more money because of the quality service, depending on the line of business you are in.

Health insurance can also protect your business as a whole in case someone gets hurt on the job. Rather than paying out of pocket for medical expenses due to work related injuries, you can use the medical insurance you invested in to keep your employees healthy and safe. Accidents happen no matter what line of work you are in and you cannot always protect against that. What you can do is have the NJ small business health insurance you need to cover the cost of damages after the accident occurs.

Most people who get small business health insurance do so on what is known as a group insurance plan. This plan allows the employer to cover a portion of an employee

Good Reasons Why You Need To Get Small Business Health Insurance Plans

Article by Sagbee C









It’s always small business that gets affected first. With a barely recovering economy and a new health reform law turning things upside down, small business owners are feeling the brunt of these changes. But that’s not enough to offer an excuse for not getting small business health insurance plans.

These government-mandated insurance plans exempt employers with less than 50 employees from paying fines should they fail in providing insurance to their employees. Employers with more than 50 employees have it harder since they’re going to be asked to pay fines of 0 for each employee that they don’t provide insurance to.

If you’re a small business owner with less than 50 employees, the tax credits that you could receive for providing insurance to your employees could be substantial. But there’s more to it than that. It’s not just about tax credits and making money, it’s about giving your employees something that they truly deserve; health coverage. It’s sad that some business owners simply tell their employees to get an individual health insurance policy even when they know that they can’t afford it.

Any of the success that your small company can attain, can only be attained through the help of your workers.

The Sorry Plight of the Small Business American Employee

Understand that the government is not trying to coerce you to acquire small business health insurance plans simply because they can. The law mandates it because of a disturbing trend throughout America. According to a Kaiser Family Foundation research in 2009, less than 50% of employees of small businesses have health coverage. This means that people who are the most vulnerable to financial problems due to medical problems are not given adequate financial protection at all.

45,000 people die annually because of insufficient coverage. Should your employee encounter the unfortunate circumstance of having a disease, and if he does not have medical insurance, would you be willing to pay for his medical expenses?

Nobody, or very few people do and that’s precisely the reason why you should provide insurance to your employees. After all, they are the lifeblood of your organization and not only your image stands to suffer but also your credibility to your customers.

Employee Loyalty with Small Business Insurance Plans

Small business insurance plans not only provide much needed healthcare coverage to employees, they can also be a potent tool by which you can gain their respect. Remember that employees respect employers who also consider their personal well-being important. The more that you are able to align your company’s goal and vision with the employee’s own goal and aspirations, the more that they’re going to see to it that your business runs smoothly.

This is especially true if your employees cannot afford an individual health insurance policy. So if you want to get the best out of your employees, make sure that you give them something that they’re entitled to anyway.

This would also give you the peace of mind in knowing that your people are well taken care off and won’t have to resort to other things such as theft or even quitting to find another job at another company.



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Derive insights and find better options when it comes to small business health insurance plans via affordablehealthinsuranceadvice.com .










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Do You Know the Difference Between Life Insurance and Health Insurance?

Article by Debbie Parkinson









An individual having health insurance is protected against running up large an extensive medical expenses. Health insurance coverage offers folks either partial or full coverage for certain medical procedures and treatments. On the other hand, life insurance it is an insurance policy that pays what’s called the face value of the life insurance policy to a beneficiary if the person whose life is insured dies. This value or what’s called the face value of the policy is paid out to the beneficiary in one lump sum payment.

When shopping for life insurance you will find two basic types: these types are what are called whole life and term life insurance. Term life insurance is much less expensive than full life insurance because of the fact it offers nothing more than simply life insurance coverage in the event that the person who is insured dies. Term life insurance can be purchased for durations as little as one year or as long as 30 years. The beneficiary of the term life insurance policy receives the proceeds or the face value of the policy if the person that was insured dies some time during the term of this life insurance policy. This might explain why so many people decide to wait until they get a little older before making a purchase of life insurance. Not always a wise idea though.

Whole life insurance combines the life insurance protection benefit along with an investment plan. The premium or the amount of money a person pays every period (monthly, quarterly or yearly) for a whole life policy is split between the life insurance premium and the investment portion of the policy. The investment vehicle portion of the whole life policy can be invested in mutual funds, money market, on the stock market and bonds and in some cases can be chosen by the person who is insured. One of the benefits of a whole life insurance policy is that it forces the saving of money for retirement by the person who is insured. This occurs by taking a portion of the premium and investing it in one of the investment vehicles listed above. These policies are in reality though, typically loaded with commissions and fees. After taking these costs into consideration, you may decide that this is not the best use of your investment dollars.

As you may have already determined, a life insurance policy differs from that of a health insurance policy. The price a person will pay for both a life insurance policy and a health insurance policy is determined by an individual’s age and physical well-being or health. As a general rule, those folks who are healthy and young will pay less for each policy than those folks who are bit older and who may be in poorer general health.

Given the financial choice between the two, it is impossible in this article to advise folks on which is better, a health insurance policy or life insurance policy. The two are designed to address different needs in a person’s life. A lot of folks find that their employer offers health insurance as well as the option to add on term life insurance coverage for a small or nominal fee. If you find yourself in this situation by all means take advantage of it. However when it comes to life insurance, be advised that if you lose your job you lose your life insurance coverage. It may be advisable to look into carrying term life insurance outside of your workplace.

If you find yourself on a budget and need to decide which insurance policy to purchase, this becomes of course determined by how much you can afford to pay each month and of course on your personal situation. If you find yourself having to choose between a health insurance plan and a life insurance plan, you may want to be advised to choose the health insurance coverage. Understanding that the health insurance coverage will be more expensive for you each month, bear in mind that it only takes one accident or medical illness to cause you to have enormous medical bills. Also this is something else to consider. If you find yourself with large medical bills as a result of not having health insurance, you may want to consider the idea of purchasing a term life insurance policy having a face value that is large enough to pay off your bills. Your spouse can be designated as your beneficiary. This way if something were to happen to you, your spouse would not be left with the debt.

If your plan at work does not include a health insurance benefit or you are self employed or simply looking to provide health insurance coverage for yourself and your family outside the workplace environment, a great place to start your research is Blue Cross Blue Shield (www dot BCBS dot com) or Aetna (www dot aetna dot com). This is not necessarily an endorsement but is a good place to start in understanding the types of health insurance plans available out there today. These two large providers

Necessity for small business health plan

It is surprising that small businesses do not appear to give much importance on small business health plan. It is not the fact that they do not find it valuable, it is simply owing to cost factor. One might have experienced this identical issue with one’s own company. The National Federation of Independent Business informs that monthly payable premiums have become doubled during the last nine years in respect of small businesses. Various small business owners just cannot manage to pay.

In fact, the kind of small business health care plans quotes one can be expecting to obtain will vary based on where one lives, therefore one may be better off than one thinks. Some states are there which will subsidize small health group insurance for businesses. Others will permit groups of various businesses to shape together for getting quality rates on insurance of business health. Some of the states have even it so that proprietors of sole type are able to obtain self employed health insurance plan at group rates. The right thing for one to do is examining the laws of one’s state. One also can get a quote to find what one can anticipate to pay. As one is well conscious, it is extremely important for one to receive health plan coverage for one and the staff that work for one. Employees of healthy type work more effectively helping one to improve one’s bottom line in fruitful manner.

The bill for health care reform is planning to effect some changes for small business insurance health. Many persons are not clear regarding what this relate to them. It will change the norms for owners of small business to buy health insurance and offer it for their staff. One should bear in mind that majority of the changes will not be effective till the year 2014. Till then, one’s employees may require to take into account an individual type of health insurance policy to secure coverage. However, one has to appreciate that the bill for health care will affect one’s small business. There are various provisions based on number of employees one’s business has. By the year 2014, those having exceeding than fifty staff should offer benefits for health insurance. Those having twenty five or less than that staff will eligible to get credit facility in respect of health insurance buying.

By the year 2014 also, those who are owner of small businesses and self employed people of other type will be eligible to receive benefits via Small Business Health Options Programs. This will permit small businesses to pool options for insurance. Within the year 2018, health plans of expensive type will begin a “Cadillac” tax. This will be paid by insurance companies and employers. This also will have an effect for those who are striving to obtain health insurance in respect of pre-existing situations. This goes immediately into effect for the children and for adults in the year 2014. Insurers will have to allow coverage for those having pre existing situations. Premiums may vary as per the different conditions and status of an individual.

 

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Variations Of Illinois Health Insurance Plans

Article by Carl Bentoy









The continuous increase of health care costs is unstoppable. It has made health insurances a necessity. Health insurance is even more befitting for those with ceaseless ailments, anyone with poor health, who is into smoking and drinking alcohol, and those likely to have health problems in the future. But no one can really tell for sure when he or she gets sick. Therefore, it is imperative that everyone should have at least one health insurance plan to take care of his or her plausible health problems.

Today, there are various kinds and types of Illinois insurance plans to suit well for different people’s needs. There are those from private companies, some long-term, while others are not. There are also health insurance plans that are exclusive for children and the elderly.

Aside from the individual plans, Illinois health insurances are also available in group insurance policies. Such plans include Mediclaim as provided by employers as added benefits for their employees, and group insurance plans for small-time businesses. There are also health insurance plans that allows savings and tax deductions. Among the top Illinois insurance companies include Humana One, BlueCross/Blue Shield Illinois, UniCare, Fortis Short-Term Medical, MedPlan Access, American Medical Security, Celtic, Genesis Health System, Fortis Student Select Health Insurance, and GE Long Term Care Insurance.

Illinois Department of Insurance offers public plans for people who cannot afford a private health insurance policy. The CHIP or Illinois Comprehensive Health Insurance Plan provides insurances to the plentitude who cannot insure themselves. Deductible options for CHIP range from 0 – 00. The plan’s different programs vary. You can have a choice among Plan 2, Plan3, and Plan 5. The Comprehensive Health Insurance Plan covers medical services, hospital services, second surgical opinion, medicines, prescription drugs, prostheses or orthoses, diagnostic services, nursing care, emergency services, home healthcare, hospice care, and a lot more depending on what is stated in the policy plan.

The state of Illinois has available special programs such as FamilyCare and KidCare. It is the first state that offers health insurance program for the children within the state. FamilyCare insurance program pays for medical care, dental care, doctor’s visits, emergency care, hospital care, prescription drugs, and specialized medical services. However, there is a standard limit that the family has to meet before they will be qualified for the scheme. To qualify, they must comply with the 185% annual income of federal poverty level or an income of ,000 for a family with four members. Health insurance plans under the FamilyCare health insurance programs are FamilyCare Premium, FamilyCare Assist, FamilyCare Rebate, and FamilyCare Share. A family can only pay very affordable monthly premiums from to , depending on how many family member a certain family has. Favorably, Illinois offers some kind of “safety net.” It is a program type intended for people or individuals who are unable to get a health insurance. But for those who already has an insurance but is paying a high premium amount may also apply.

Illinois health insurance companies offer attractive, almost too irresistible packages. You may contact an insurance agent to help you avail of the proper health insurance policy. Or you may just as well browse online for obtaining quotations, and in comparing rates and premiums. Once you have carefully chosen a health insurance plan for yourself, you may now apply for it. The common procedure starts with filling up forms and then submission through e-mails, and some companies will even conduct a phone-in interview. Usually, is takes a maximum of one month and minimum of two weeks to deal with the application.



About the Author

Carl Bentoy is a writer for MajorHealthInsurance.com, where you get information on the benefits you can get from health insurances.










Why Short Term Health Insurance is required?

Article by John Elton









Millions of people are benefited with the excellent idea of health insurance schemes. In the present world of unhealthy food habits, highly polluted environments, stresses in life, the mental and physical pressure due to the insecurity and many other factors affecting very badly the health of populace, meeting the soaring expenses of medical treatments is really posing challenges. Health insurance schemes have been the major attraction in countering the sky rocketing medical expenses. There are many kinds of medical insurance schemes like individual health insurance, family health insurance, group health insurance and short-term health insurance schemes. This article concentrates on short-term health insurance schemes.

What are short-term health insurance options? Why do you require short-term heath insurance? Generally health insurance schemes are offered annually. The payment what you are paying to get a health insurance will cover the medical expenses for a year. But there are many instants in which you and your family require short-term health insurances. It can be individual health insurance or family health insurance. The health insurance companies have already floated many short-term schemes such as insurance coverage for 3 months or 6 months. I will just give two specific examples in which one has to go necessarily for a short term insurance cover.

Assume that you are just leaving you employer and trying to catch up with another employer. Usually there is a period in between the relieving and joining back. This short period you require a health insurance scheme to cover the unexpected medical expenses. You just cannot go ahead without the medical coverage taking the risk of any emergency situations. It can be from 3 months to six months in general. Here the requirement of short-term health insurance arises. Generally in the case of you quitting an employer, you can ask for short-term health insurance coverage from the employer. They will mostly offer you the facility for you and your family for 90 days. That must be sufficient enough to join another firm.

Consider another situation of moving from your place to another region, especially to a foreign country. The health insurance policy operating here is not valid in another country. Your trip may be only for a short duration; you may be in a vacation tour or an official tour. Again you are facing a situation of short-term health insurance requirement. The short term health insurance schemes in this case offer you coverage for the actual number of days in tour, from the day one of your take off to the day on which you return.

In the above situations you are compelled to take necessary health insurance packages to cover up the short period. There are many companies online offering you the services for short-term health insurance. They offer you the maximum discount, as they know you are probably out of job. It is better for you to get premium quotes from many and select the beneficial short-term health insurance policy. You need to do an extensive online search to find out the best short-term health insurance offer.



About the Author

Jon Elton owns and operates a Car Home Life Insurance Quotes website to help while making decision about insurance. He also operates a Cheap Car Auto Insurance site to help taking decision about auto Insurance.










latimesblogs.latimes.com New TYT Network channels: www.youtube.com www.youtube.com New TYT Facebook Page(!): www.facebook.com Follow us on Twitter: twitter.com www.theyoungturks.com DISCOUNTS: www.theyoungturks.com FREE Movies(!): www.netflix.com Note: The above two links are for TYT sponsors. Read Ana’s blog and subscribe at: www.examiner.com TYT Network (new WTF?! channel): www.youtube.com Check Out TYT Interviews www.youtube.com Another one of California’s largest health insurers has stunned individual policyholders with news of huge rate increases — this time it’s Blue Shield of California seeking hikes of as much as 59% for tens of thousands of customers March 1. Blue Shield’s plan comes less than a year after Anthem Blue Cross tried and failed to raise rates as much as 39% for about 700000 California customers. San Francisco-based Blue Shield said the increases were the result of fast-rising healthcare costs and other expenses resulting from the new healthcare laws passed last year. “We raise rates only when absolutely necessary to pay the accelerating cost of medical care for our members,” the company told its customers last month. In all, the insurer said that 193000 policyholders would see increases averaging 30% to 35%, the result of three separate rate hikes since October that have been rolled into one for about 7000 members. Nearly one-quarter of the affected customers — 44000 — will see cumulative increases of more than 50% over five months. Blue Shield
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Why do we need health insurance? Choosing health insurance

Article by David Mayer









Medical insurance is more than just safeguard of your health – it also prevents you from extra expenses. Bills from medical institutions even for situations not threatening your life can lead to the fail of your finances. According the data of National Coalition on Health Care one person in the U.S. reaches a financial crash after serious problems with health every 30 seconds.Health insurance also aids to maintain healthy people. American College of Physicians states that uninsured people who are likely to have deadly or serious diseases like pancreatic or breast cancer can be diagnosed by regular inspections. Thus, uninsured persons have fewer chances to get disease-prevention service than insured ones, their risk of death raises to 50 percent.

Health insurance can significantly reduce your expenses as most part of medical compensations is divided between an insured person and a medical care provider. So-called “network discounts” are set by medical organizations and insurance companies, nevertheless the price for insured persons is always lower than prices paid by uninsured persons.

Who Risks to Be Uninsured

Do you think you can risk and live with no health insurance? Learn the statistics in the U.S. Department of Health and Human Services on Women’s Health and the report of MSNBC.com: the number of uninsured Americans has increased to over 44 million people – the majority of them being from working families.Youth aged from 19 to 29 are the largest group with no medical insurance. Insurers call them “young invincibles” as they think their youth can protect them someway. Nonetheless, life is rather sever and doesn’t protect from illnesses or incidents, and without having affordable health insurance young people can suddenly appear with large medical expenses.

Women without medical insurance represent another huge group of Americans – more than 16 million. They suffer from diseases and damages more often as they use to spend much time trying to use their own methods of treatment. Majority of health insurance institutions use prophylactic measures like gynecological and breast inspection that could prevent many serious female diseases.

The absence of affordable health insurance can even lead to death as persons without medical insurance usually die earlier than those with insurance, often because they don’t pass preventive medical care.

Medical debts can quickly cause financial crisis. In compliance with the latest research of Harvard University, nearly 50 percent of all bankruptcies were partly caused by medical debts. Other research showed that over 25 percent of those who took part in the survey had different financial problems because of extra medical expenses.

What type of monthly payments is the most suitable for me?

Making changes in your everyday expenses can help you regulate monthly payments and make them suitable for your pocket. If you can evaluate the sum of money you’re going to spend every month you can choose deductibles and define monthly payments most affordable to you. Different insurance plans provide various conditions of repayment that depend on clients’ possibilities. Choosing a special insurance plan covering the particular set of diseases and accidents you can save your money and time as general health insurance plans include many different medial supervisions and drug programs.

For what period do I need insurance coverage?

The term of your coverage can define the kind of this coverage. Somebody who appears out of work for some period may need coverage for this particular period. For self-employed persons or those who work in a company without health insurance programs more general insurance programs may be required.Are there any additional possibilities I may use?

One of the most useful opportunities is access to the doctor. You may choose an affordable health insurance plan including supervision of a medical specialist – in this case referral from your doctor is needed. If you’ve chosen the plan without the control of primary healthcare specialist – you can address your doctor directly.

Another important thing refers to the doctor and medical equipment you prefer. If you’ve chosen a network insurance plan, then you may check whether it includes proper quality of service. If you’ve selected the other plan get ready for additional expenses on visits to your doctor.

The method of payment for medical care can also be chosen. If you prefer spending more money during the service, an affordable health insurance plan with maximal deductible and minimal insurance appears the most suitable for you. On the other hand, if you’d like to pay less for visiting specialists of using services the plan including minimal deductible and maximal insurance is the best choice.

How can pre-existing situation

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