How to Get an Affordable Health Insurance Quote if You’re Self Employed

Posted on by

Getting an affordable health quote if you’re self employed can be a real hassle. However you can find affordable rates if you know where to look and how to structure your insurance. Here’s how …

An Affordable Health Insurance Plan

The first thing you need to do is figure out what type of plan will best suit your needs. There are four basic plans to consider:

1. FFS (Fee-For-Service) plans, also known as indemnity plans, are the most expensive health insurance plans and involve the most paperwork. With these plans you can choose your own doctor and your own hospital. Deductibles average $500 to $1,000 and you’ll be responsible for 20% of the bill.

2. HMO (Health Maintenance Organization) plans are the least expensive and the least flexible health insurance plans. HMOs provide you with a network of doctors which you must see. You’ll be required to pay a small copayment, usually $5 to $15 for each doctor visit, and you need permission from your plan’s primary care physician to see an in-network specialist.

3. PPO (Preferred Provider Organization) plans cost slightly more than HMOs but are more flexible. Copayments are about the same as an HMO’s, and you’re allowed to see a network specialist without your primary physician’s permission. If you see a non-network specialist you may have to pay the entire bill, pay the difference between network charges and what the specialist charges, or pay a deductible.

4. POS (Point-Of-Service) plans cost more than PPOs and less than FFSs, and are a combination of the two plans. These plans provide you with a network of physicians who will treat you. Your copayment is about the same as that of a PPO, but you can see a non-network physician and the plan will reimburse him or her.

Getting an Affordable Quote

In the good ol’ days, prior to the Internet, you could spend half your life visiting local insurance companies or calling insurance agents on the phone to get health insurance quotes. Now, thanks to the Internet, getting quotes is a piece of cake.

You can go to an insurance comparison website, fill out a single questionnaire, and get quotes from different companies. Some of the better sites even have an insurance expert who will answer all your health insurance questions online. (See link below,)

Visit or click on the following link to get affordable health insurance quotes from top-rated companies in your area and see how much you can save. You can get more health insurance tips by checking out their “Articles” section.

The author, Brian Stevens, is a former insurance agent and financial consultant who has written numerous articles on affordable health insurance for the self-employed.

Solutions Should You Examine Decide On A Health Insurance Policy The Best Health Insurance Coverage!

Posted on by

Numerous present day medical health insurance programs h gimmicks whh wth th deals t cause t thnk tht h rt insurance t price, bt nonetheless fall short t provide wth th very best medical health insurance protection. Th significance f obtaining health insurance coverage tht obtaining a medical insurance n thts -inclusive means tht wont need t pay fr added expenses fr n hospitalization needs n fr future incidents.

Even though many medical health insurance companies provide typical health insurance coverage (whh ought t b already competitive n spite f being a normal insurance n), th programs neglect t h pre-existing conditions protection n post-hospitalization fees protection. Th need fr t consider a health insurance n thts comprehensive shouldnt b ignored n want t t r moneyas worth well , obviously, t save money. Whh health care insurance company provides th best health insurance coverage, thn?

T t th truth, ts tough t identify whh health insurance provider provides th best health insurance package b th level f a package depends upon th gravity f a clientas requirements. A healthy single male r female m nt h th requirement fr n insurance n whh w work fr n entire family, getting th kind f mht require more money. In addition, healthy n fit individuals n merely obtain standard health insurance bundles whh usually cost less n m n cover a minimal group f services.

Nevertheless, a health care insurance ought t n w possess th best health insurance coverage available n th market. A health insurance policy w b b t cover a hospital stay expenses, whh m consist f expenses f having a private hospital room, moderate t serious procedures, maternal requirements, check-ups wth specialists, pre-hospitalization n post-hospitalization tn, medicines, etc. Additionally, a rt health insurance going t b both transparent n n depth whn t comes t guidelines.

Whn searching fr a health insurance coverage, ensure tht look fr one thts reasonably priced n dependable.

Lots f providers w anything simply t pilfer cash frm naive customers, n th sold wth guarantees f high quality service. A a consumer, ts r obligation t r wn fr share f investigation. Understand tht sometimes, ts more valuable t consider a bundle thts th best health insurance coverage compared t looking fr one whh h th t expensive price.

Health Insurance Coverage After A Divorce

Posted on by

It is not uncommon during a marriage for one spouse to be the primary policyholder of a medical insurance plan and the rest of the family to be covered under that one plan. Typically, the plan is offered through that spouses employer. However, when spouses file for divorce, the question arises as to how will the other spouse, and also the children, be covered by medical insurance.

In Massachusetts, there are laws that require the policyholder spouse to continue to provide coverage to the children, and also to the other spouse, so long as coverage to the other spouse is available. In the common situation where an insurance policy is provided through a group plan offered by the policyholders employer, then pursuant to Massachusetts General Laws chapter 175, Section 110I, and Massachusetts General Laws chapter 176G, Section 5A, the policyholder spouse must continue this coverage, unless there is what is known as a triggering event. A triggering event is something that would cause a person to no longer be eligible for coverage under a specific medical insurance policy. With certain medical insurance policies, a divorce is considered a triggering event. Thus, as long as there is no triggering event, the non-policyholder spouse may remain on the insurance plan. However, if there is an additional cost to remain on the plan, the non-policyholder spouse is obligated to pay the additional cost.

It is important to note that the law only applies to group insurance plans. If an employer does not participate in a group insurance plan, but rather is self-insured, then that company is not required to provide continuing coverage for the former spouse through its medical insurance plan. Rather, in these cases, the former spouse may elect to receive COBRA coverage for up to 36 months after the divorce. However, COBRA coverage is typically expensive, and in these cases, the former spouse may want to look into other medical insurance coverage options.

In cases in which a policyholder spouse is self-employed or has a health insurance plan purchased privately or not through an employer, then the law does not directly apply to these spouses; however it is not uncommon for the non-policyholder spouse to still remain on the policy, absent a triggering event. Thus, in these cases, spouses can typically remain on the insurance, but pay any additional cost to continue the coverage.

Simply put, spouses will not be left without insurance after a divorce. There are several factors that must be reviewed, but in general, spouses will be able to continue with some form of medical insurance coverage after the divorce. However, in light of the recent health care reform, it may not always be economical to remain on the existing health insurance plan. Spouses should compare other medical insurance options, such as the Massachusetts Health Connector, to ensure remaining on the existing plan is the most cost-effective solution.

Where to Get Cheap Colorado Health Insurance Plan Quotes

Posted on by

Although Colorado ranks high on income levels, the state unfortunately also ranks high on the number of people who are uninsured, with 15 to 17 percent of Coloradoans lacking health insurance. If you’re in this group here’s how you can get cheap Colorado health insurance plan quotes from top companies.

Who Are the Uninsured in Colorado?

You might think that only unemployed people don’t have health insurance. In fact, a third of the uninsured in Colorado work full time, but they work for small businesses that cannot afford insurance coverage for their employees. In addition, they tend to have lower incomes, with over half of the uninsured earning under 200 percent of the poverty level.

The high number of uninsured in Colorado affects the state economy in several ways:

* The uninsured sign up for state-sponsored health insurance programs such as Child Health Plan Plus and ColoradoCovers. These programs are paid for through state funding.

* Health care providers charge all their patients higher prices to subsidize the uninsured patients who are unable to pay for their care.

* As health care costs rise, so do insurance premiums, with Coloradoans paying as much as $934 extra each year in insurance premiums to cover the cost of the uninsured.

Where Can You Find Cheap Colorado Health Insurance Plans?

Everyone benefits when more people have their own health insurance. A great way to find cheap insurance quotes is to go to an insurance comparison website. You can find quotes for all types of insurance at these sites, including:

* Basic or comprehensive coverage

* Catastrophic or accident-only health insurance

* Traditional insurance, PPO plans, or HMO plans

* Long-term or short-term health insurance

* Home health care insurance

* Vision and dental insurance plans

The best insurance comparison websites even offer a chat feature so you can get answers to all your insurance questions directly from an insurance professional (see link below).

Going online to find your health insurance is quick, it’s easy, and it will save you money because you’ll get quotes from several different companies to compare. Give it a try!

Visit or click on the following link to get Colorado health insurance plan quotes from top-rated companies and see how much you can save. You can also get more insurance tips there.

The authors, Brian Stevens and Stacey Schifferdecker, have spent 30 years in the insurance and finance industries, and have written a number of articles on getting cheap Colorado health insurance plan quotes.

Health Insurance Why Is It Important For Your Future

Posted on by

A visit to the hospital or your doctors clinic is enough to tell you how expensive health care can get sans health insurance. The visiting charges or doctors fee surpasses your budget sometimes and leaves you with very little to buy the actual medicines if you dont have health insurance. And if you were involved in an unforeseen accident, without health insurance, the cost of the hospital stay, pre-medication and post-medication care, the surgery, etc. will cost you a bomb. In fact, abroad, if you do not have proper health insurance doctors dont even make an appointment with you. That is why health insurance cannot be ignored or taken casually by anybody.

Life is very unpredictable and rather than worrying about what youll do when things might go wrong, it is better to be prepared with the right health insurance. Why spend all your life savings in one go during an emergency if you can plan it correctly and get covered for the major expenses of your medical condition? What happens is that as long as something untoward doesnt happen to you, one doesnt think about getting health insurance – it isnt priority at that particular time. But when has an accident ever come to you with a warning? Health insurance, thus, is a way of safeguarding your future from circumstances like these, where all your life savings are spent on taking care of yourself or your family member. A health insurance policy for your family is what is essential to take care of them any given point of time. After all, a stitch in time saves nine.

With health insurance youll be able to live a happy, tension-free and healthy life. Health insurance also assures you that you get a healthcare treatment that you deserve and require as an individual without worrying about how much youre spending and whether you can afford it. Your family will feel safer and more secure once every member is covered in a health insurance plan that helps you live without fear. To know which is the best health insurance plan for you and what are the things covered in the plan along with the duration of paying for your health insurance policy, you must research thoroughly online as well as take advice from your friends and family. Speaking to experts also ensures that you have no doubts or regrets in the future and live a safe, worry free life.