Finding Low Cost and Cheap Health Insurance
You simply cannot find an affordable solution for healthcare, and it seems like you have looked everywhere for what you and your family need. If this is the case, there may be some places that you haven't looked yet. There are many options out there for cheap health insurance, and despite the rising costs of plans these days, there is probably something out there for you and your family. Above all else, try to get on some kind of a plan, because going uninsured is a recipe for disaster and financial ruin on down the road. Even a cheap health insurance plan can save you from financial ruin.
Without even a cheap health insurance plan for your family, you can quickly find yourself crushed under an avalanche of medical bills that will take years to clear up. If you feel as though you cannot afford health insurance, then you definitely cannot afford the financial burden that comes with medical bills. A single stay of a few days at a hospital can run you thousands and thousands of dollars. Even if you and your entire family are in good health, that cannot insure you against the possibility of accidents or disease that could destroy you financially without cheap health insurance.
The simplest and most direct means of gaining cheap health insurance is through that of an employer. If, however, your employer does not offer cheap health insurance, or if that cheap health insurance does not cover your family, then you will have to look elsewhere. If you have looked into family group insurance plans and these are simply too expensive, there are still options out there. For one, if your family's earnings are low enough, you may qualify for a state assistance program such as Medicaid. Take some time out of your day and make a visit to your state's local Division of Family Services to find out if you qualify for Medicaid assistance.
To help with paying for the cost of insuring children, check out the Insure Kids Now initiative. Insure Kids Now operates with the SCHIPS, or State Children's Insurance Program, to help families with the cost of insuring children. The income requirements for Insure Kids Now varies between how many children you have and how much you earn. The assistance given for this program can range from part to even all of the insurance premiums, so be sure to look into this valuable opportunity.
To improve your chances of finding the cheap health insurance plan you need, broaden your search by going on the internet. Searching on the internet can open up a broad range of opportunities, and there are sites out there that will make comparison shopping for cheap health insurance easy for you. When comparing plans, however, remember that the premiums and deductibles are not the only factors to consider. Plans vary widely based on their benefits, with plans ranging from basic major medical coverage only, to plans with a host of benefits such as dental and optical.
A cheap health insurance plan might have high deductibles and minimal coverage, but this is infinitely preferable to having no coverage at all for your family. If a plan such as this is still too expensive, then consider something like Medicaid or Insure Kids Now. These are great ways to reduce the cost of covering your family, and are offered in most states these days.
If you cannot find cheap health insurance due to a family member that has a serious pre-existing condition, there are options out there for this as well. In addition to traditional insurance plans, there are also discount programs out there that can alleviate some of the cost of medical care. A discount program works pretty much by selling you as future business to an association of preferred providers, who will in turn give you a discount on their services. Although you may pay considerably out of pocket, you will still save money. Most important of all, a discount plan charges a flat rate no matter what your current health is.
In addition to cheap health insurance and discount plans, there are also some new plans that have appeared lately such as Value Health. Value Health provides a basic set of coverage options at a decent price, and will also work with those suffering all but the most severe pre-existing conditions. For the most serious pre-existing conditions, you may be forced to turn to the state mandated high risk insurance pool. The high risk pool exists in every state and will accept almost anyone regardless of risk. The drawback, however, is that the plan definitely does not provide cheap health insurance, with rates soaring as high as a $1000 a month.
There are many avenues for finding cheap health insurance, with the internet opening many doors. Between state mandated assistance programs and the plan comparison options that the internet offers, your family can navigate the sometimes confusing world of cheap health insurance.