health insurance plan

Cheap Medical Health Insurance Can Be Found Selecting the Coverage Your Need

With the way health care costs keep rising, cheap medical health insurance sounds like an oxymoron. There are millions of Americans who are uninsured due to its cost. Most of the people that do have health coverage either get it from their employer or their spouse’s employer, who often pays a significant portion of the costs. Instead of paying a hefty monthly premium, many families are deciding to go without coverage at all. Often times, cheap medical health insurance don’t provide adequate coverage to make its purchase worthwhile. With changes in the health care system looming, you may want to start research different health care options soon.

Lately, a major item in the news has been the health care reform bill that was just passed. By 2014, every US citizen will have access to government subsidized cheap medical health insurance. This means the unemployed and self employed will be able to get coverage at rates cheaper than previously available. However, the bill also states that it is mandatory that everyone carries medical insurance or face an annual fine. This can be a problem for those already struggling to meet their current financial obligations. Adding an additional bill or a fine can wreak havoc on their budget. Now, we are left with the choice of enrolling into a government insurance plan or try to find a cheap medical health insurance plan on our own.

Contrary to what many think, cheap medical health insurance plans can be found. To be able to find such a plan, we need to be realistic. A cheap plan won’t cover every medical condition and service. Services such as cosmetic surgery or even chiropractic care probably won’t be covered. In order to find the least expensive plan we need to focus on plans that cover our basic needs and the minimum requirements of the government. First, you must assess your basic needs. Do you have kids that need to visit the doctor often or do you just need an annual checkup? Your individual situation will decide what type of coverage is needed. Once you decide how much insurance is needed, you can start comparing cheap medical health insurance plans that cover your minimum requirements.

The best place to get information is on the web. Most providers can offer you a quote by filling out a short form on their website. Based on the information provided, they will give you a quote. You can get several quotes from different providers. These companies are competing for your business so they should offer competitive rates. Choose the least expensive plan that fits your needs and you will have found cheap medical health insurance.

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Major Medical Plans – What Is Universally Covered?

There are three basic types of major medical plans. In terms of comprehensive coverage, consumers have the choice of first dollar coverage or standard coverage. Alternatively, consumers may elect only supplemental major medical plans. These plans only cover a percentage of medical expenses after certain limits are met. However, regardless of the type of major medical plan, there are some expenses that are, for the most part, universally covered. The following list is neither definitive nor all-inclusive. Instead, the list is intended as a general rule of thumb guideline as to what you can expect to be covered for under your policy.

1. Hospital expenses. These include necessary emergency room care, inpatient services, intensive services such as cardiac care or ICU, medicinal supplies and medications, surgical procedures, emergency transportation services, and doctor’s care while in the hospital.

2. Doctor’s care outside of hospitalizations. These services include preventative care, sick visits, regular check-ups, and lab tests. Also included are specialists such as physical therapists, orthopedic doctors and surgeons, as well as anesthesiologists and radiologists.

3. Nursing care. Nursing care encompasses services provided both inpatient and outpatient. Included in most major medical plans are private duty nurses, home healthcare service providers, convalescent care, and nursing home care.

4. Auxiliary services. Additional medical expenses such as prescription medications, casts, splints, prosthetic devices, crutches, durable medical equipment such as wheelchairs or hospital beds, and some adaptive devices are commonly covered under a standard health insurance plan.

While these covered expenses vary in terms of limitations from one insurance provider to the next, in general all major medical plans cover these routine medical expenses. One provider may limit the number of emergency transportation calls they will cover in a calendar year. Another provider may cover the cost of prosthetic devices on a sliding scale, paying 100% on devices up to a certain dollar amount and only 75 or 80% above and beyond those limits.

In terms of comparing major medical plans, issues such as deductibles, coverage limitations, and other specifics will have different meaning in different situations. Families may be more concerned with deductible requirements in order for a policy to pay for routine checkups and sick doctor visits. A single adult under 25 may be more concerned with coverage for preventative care. Older couples may be more concerned with prescription drug coverage and nursing care benefits. These diverse concerns are what prompts different coverage levels and benefits so that each company can meet a variety of consumer needs.

Sean L Johnson is a journalist for Health Insurance Buyer a referral service that refers consumers to the insurance carriers that can best fit their wants and needs. Get a free reduce quote today at www.health-insurance-buyer.com