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
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4 comments:
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Very informative blog I found a lot of information about insurance policies and plans.
Very informative blog I found a lot of information about insurance policies and plans.
High risk health insurance schemes are the most expensive options. I can even imagine that I get this kind of policy is lesser amount. I will definitely work on the options that you have suggested and grateful to your for suggesting ways to get the best rate.
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