Affordable high-risk health insurance plan - does such a thing exist?
If you've been denied health insurance coverage because of a medical condition, you know how difficult it can be to find an affordable plan so you can get the care you need. Below are some tips to help you find coverage you can afford.
Look Into State Pools
Most states offer high-risk pools to help people who don't have access to group insurance and haven't been able to obtain affordable private insurance because of pre-existing medical conditions. These pools are private, self-funded plans organized by the state. They may either be part of the state's Department of Insurance or be a separate organization.
You usually have to prove your eligibility to join such a pool by showing proof that you live in the state and that you've been denied coverage from an ordinary insurance company.
The state pools cost more than a regular group policy because the members of the pool are all high-risk individuals. However, you generally can choose from different types of policies and you can reduce your costs by:
* Choosing an HMO or PPO plan, which always cost less than traditional insurance
* Choosing a policy with the highest deductibles and co-pays that you can afford
Finding an Affordable High-Risk Health Insurance Plan
You can usually apply for a high-risk policy through your state or through insurance agents. However, the fastest and easiest way to find a policy is to go to an insurance comparison website.
From such a website, you'll have quick access to competitive quotes from companies in your state that offer high-risk coverage. This makes it easier to compare quotes and find one you can afford.
Be sure you look for a website that includes an online chat option and toll-free telephone service so you can get advice and answers to your questions directly from an insurance expert (see link below).
Visit http://www.LowerRateQuotes.com/health-insurance.html or click on the following link to get high risk health insurance quotes from top-rated companies and see how much you can save. You can get more tips and advice in their Articles section, and get answers to your questions from an insurance expert by using their online chat service.
The authors, Brian Stevens and Stacey Schifferdecker, have spent 30 years in the insurance and finance industries, and have written numerous articles on high risk health insurance plans.
Article Source: http://EzineArticles.com/?expert=Brian_Stevens
Friday, November 14, 2008
Health Insurance After Cancer - Choose the Best
Cancer can one on the most devastating things that can ever happen to a person. There are so many different types that all have their own treatment that is needed to help the person suffering from the cancer recover. Finding and obtaining health insurance after cancer can be one the hardest things a person can go through. The premiums on the actual insurance may be way to high for the cancer survivor to pay. Being put off and given the run around is something all consumers and cancer survivors should not have to go through when dealing with one of the worst times of their lives.
When it comes to life after cancer the survivor must deal with getting better and fight back and forth with their current insurance company. The best thing that a person can do would be to sit down and read through all the information that they have handy when it comes to knowing what is expected and covered. You must remember to keep all necessary paper work and know what fees you are expected to pay that your insurance does not carry. Some insurance companies charge extra fees for certain services that is a big one to check in on first.
A great thing to when it comes to being diagnosed with cancer would be to sit down and make a list asking yourself questions that you may want to get the answer from your insurance company such as: Do I have to get treatment preapproved, Can I go out of my approved network for treatment, Should I get a second opinion, and can I choose my own specialist. There are many more I am sure the patient can think of. Being sure to ask as many with save you time and money in the long run when working with the insurance company of your choice.
A person should not have to worry whether or not they are covered for health insurance after cancer. Just sitting back and getting better is all the survivor should have to do. Worrying about whether or not your insurance carrier is going to drop you and if your if insurance rates are going to hit the roof should be the last thing on your mind. Health insurance after cancer is available in all 50 states. You may be able to call your current insurance company to discuss your options before taking that first dreaded treatment. You may also be able to find another company that has better coverage and better rates before taking your first treatment. The only thing a person can do to know everything they need to know would be to is research. Talk to your physician, family friends, hospitals, cancer treatment centers, anyone you may think could help you find the answers you are looking for. Making dure you have you I's dotted and your T's crossed is the best thing a person can do when first hearing the dreaded words "I am sorry you have cancer."
Ian Pennington is an accomplished niche website developer and author. To learn more about health insurance after cancer, please visit The Importance of Health Insurance for current articles and discussions.
Article Source: http://EzineArticles.com/?expert=Ian_Pennington
When it comes to life after cancer the survivor must deal with getting better and fight back and forth with their current insurance company. The best thing that a person can do would be to sit down and read through all the information that they have handy when it comes to knowing what is expected and covered. You must remember to keep all necessary paper work and know what fees you are expected to pay that your insurance does not carry. Some insurance companies charge extra fees for certain services that is a big one to check in on first.
A great thing to when it comes to being diagnosed with cancer would be to sit down and make a list asking yourself questions that you may want to get the answer from your insurance company such as: Do I have to get treatment preapproved, Can I go out of my approved network for treatment, Should I get a second opinion, and can I choose my own specialist. There are many more I am sure the patient can think of. Being sure to ask as many with save you time and money in the long run when working with the insurance company of your choice.
A person should not have to worry whether or not they are covered for health insurance after cancer. Just sitting back and getting better is all the survivor should have to do. Worrying about whether or not your insurance carrier is going to drop you and if your if insurance rates are going to hit the roof should be the last thing on your mind. Health insurance after cancer is available in all 50 states. You may be able to call your current insurance company to discuss your options before taking that first dreaded treatment. You may also be able to find another company that has better coverage and better rates before taking your first treatment. The only thing a person can do to know everything they need to know would be to is research. Talk to your physician, family friends, hospitals, cancer treatment centers, anyone you may think could help you find the answers you are looking for. Making dure you have you I's dotted and your T's crossed is the best thing a person can do when first hearing the dreaded words "I am sorry you have cancer."
Ian Pennington is an accomplished niche website developer and author. To learn more about health insurance after cancer, please visit The Importance of Health Insurance for current articles and discussions.
Article Source: http://EzineArticles.com/?expert=Ian_Pennington
Health Insurance - Things to Consider When Picking Your Plan
Health Insurance-Things to Consider When Picking Your Plan
Cost and coverage are the two most important things to consider when picking your health plan. If you are going to participate in your employer's health plan, or if you are going to purchase your own personal protection, it is vital that you understand the choices available to you. Understanding these choices can help you to assess your needs, and come up with the best coverage solution for you and your loved ones.
The cost. There is a list of factors that decide the cost of your coverage. This list includes, but is not limited to, these things: your monthly premium, the number of people to be covered, your deductible, your employer's contribution, your current health status, location, and risk. If you lead a healthy, non-hazardous lifestyle, consider getting coverage just for your large medical expenses. Getting coverage for every little visit could cost you more than the insurance is worth. Find out how much you have to pay out of pocket before your expenses are reimbursed. If you are limited to an insurance provider's network of doctors, inquire about the costs of using doctors outside the network.
The coverage. This is obviously the most important part of picking your health insurance. You can have a plan that saves you alot of cash; but if it doesn't protect you when you need protection, its useless. Find out if your insurance provider uses the same doctors and hospitals that you do.
Furthermore, there are several questions you need to be asking.
-Are my prescriptions covered by this plan?
-Is it easy to switch physicians?
-If I have pre-existing or chronic conditions, how are they covered?
-In case of an emergency, how am I to go about getting reimbursed?
-Does this plan cover alternative methods of treatment, like acupunctures?
-How much is it to add someone else to the plan, and how will you treat their pre-existing or chronic conditions.
While their are more questions to be asked in regards to the cost and coverage, the goal here is to get you to start thinking about what you need. Understanding your needs, and determining what you can afford will lead you to the right health insurance policy.
This article was written by Julian Floyd. For risk-free no-obligation insurance quotes, visit http://www.thebestonlineinsurance.com
Or visit my blog at http://2jonline.blogspot.com
Article Source: http://EzineArticles.com/?expert=Julian_Floyd
Cost and coverage are the two most important things to consider when picking your health plan. If you are going to participate in your employer's health plan, or if you are going to purchase your own personal protection, it is vital that you understand the choices available to you. Understanding these choices can help you to assess your needs, and come up with the best coverage solution for you and your loved ones.
The cost. There is a list of factors that decide the cost of your coverage. This list includes, but is not limited to, these things: your monthly premium, the number of people to be covered, your deductible, your employer's contribution, your current health status, location, and risk. If you lead a healthy, non-hazardous lifestyle, consider getting coverage just for your large medical expenses. Getting coverage for every little visit could cost you more than the insurance is worth. Find out how much you have to pay out of pocket before your expenses are reimbursed. If you are limited to an insurance provider's network of doctors, inquire about the costs of using doctors outside the network.
The coverage. This is obviously the most important part of picking your health insurance. You can have a plan that saves you alot of cash; but if it doesn't protect you when you need protection, its useless. Find out if your insurance provider uses the same doctors and hospitals that you do.
Furthermore, there are several questions you need to be asking.
-Are my prescriptions covered by this plan?
-Is it easy to switch physicians?
-If I have pre-existing or chronic conditions, how are they covered?
-In case of an emergency, how am I to go about getting reimbursed?
-Does this plan cover alternative methods of treatment, like acupunctures?
-How much is it to add someone else to the plan, and how will you treat their pre-existing or chronic conditions.
While their are more questions to be asked in regards to the cost and coverage, the goal here is to get you to start thinking about what you need. Understanding your needs, and determining what you can afford will lead you to the right health insurance policy.
This article was written by Julian Floyd. For risk-free no-obligation insurance quotes, visit http://www.thebestonlineinsurance.com
Or visit my blog at http://2jonline.blogspot.com
Article Source: http://EzineArticles.com/?expert=Julian_Floyd
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