How To Find Low Cost Health Insurance That Meets Your Needs and Fits Your Budget
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Anyone who has ever received a bill after visiting the doctor’s office or the emergency room without an insurance plan knows how expensive health care costs can be. Paying out of pocket for healthcare is not an option in this economy, but unfortunately for many neither is paying the outrageously high monthly payments and premiums charged by many insurance companies. This is why it is necessary for consumers to learn about the different types of low cost health insurance plans that are out there,
High Deductible Plans
If you need health insurance that has cheaper monthly payments than the average plan, a high deductible policy that works with a Health Savings Account (HSA)may be exactly what you need.
Insurance coverage does not kick in with these types of plans until after you have paid expenses up to the dollar amount of your deductible. This saves you money on your monthly bill. In order to cover the high deductible, money from your paychecks can be put into a Health Savings Account, pre-tax, at that; leaving you free of the worry and stress caused by unexpected health care expenses.
If you are less concerned about the bills you’ll receive from an occasional visit to the doctor’s office but do feel as though coverage for unforeseen visits is something you should invest in, emergency medical insurance coverage is a fabulous option for you. Better yet, now that new insurance regulations are falling in to place, emergency coverage may take care of a portion of well-child check ups and other necessary preventative care; all with extremely low monthly payments.
Finding Low Cost Insurance
Starting in 2014, low cost health insurance will be easier to access thanks to the Affordable Care Act. If you need to find low cost health insurance now, here are a few tips to help you compare plans and get the coverage you need.
First, start by shopping rate quotes
Next, check with the insurance department in your state to check the complaint rate for the insurance companies you are looking into.
Lastly, purchase only the type ad amount of coverage you need.
When you find a premium that is low cost and affordable for you, it is important that you double-check to see that the explanation of benefits meets your needs. You can easily ensure you are purchasing the right amount of coverage by looking through your records to see the amount you spent annually on healthcare in previous years. Will you need emergency coverage? Do you want a high deductible and lower monthly payments? Do you need occasional care or frequent care due to pre-existing conditions? Be thorough and you will certainly find low cost health insurance that fits your needs and your budget.