CHEAP HEALTH INSURANCE THAT WILL WORK FOR AND SUIT YOUR NEED

There are certain things you should consider when you want to find a cheap Health Insurance Plan.

When you regard a health plan as the cheapest another may regard that same plan as very expensive, so individual needs matters a lot. But in this article we will be discussing some viral factors you need to consider before you final settle for cheap Health Insurance Plan:

1)    First of all understand what you need and can afford it will help you determine the best and cheapest health plan. It won’t be necessary buying the whole coverage when you don’t need them and this will cost you more. A Health Insurance is very important to every individual, family members and the public in general living conditions in today’s world can be very hazardous where sickness of different kinds come up on daily basis. 

     So having a health insurance covers you of infusing unexpected conditions and when such happens considering your low income state, you might not be able to cover your cost but an insurance company under your health premium will do this for you. Finding a cheap Health insurance policies is very good as it is been determined by how your pocket can be able to consistently take this policies, but one thing to note is that when looking for a cheap health insurance, the basics or the basic health insurance plan must be able to cover some essential health benefits and they include:

a.     Dental and vision car for children

b.     Drug prescription.

c.      Mental health services

d.     Laboratory test

e.      Care before and after delivery

f.       Offering services to help you recover from chronic condition or serious injuries

g.     Home care services (optional)

h.     Offering preventive services

i.       Access to emergency room (when such case arises)

     

     Having these above mentioned benefits then you should be to realize what you need in a health insurance plan.

2)    Cost Comparison: One thing you should try to do is to compare the cost of various Health Insurance Company and not only premium prices. I should be very sincere to you on this; you might see a plan that offers a cheap cost but does not cover what you really need and you might also see a very costly plan that covers all you need and more benefits attached to it but if your need and more benefits attached to it but if your needs are just a few 2,3, or 4 then you can see a very cheap health insurance plan. So comparing the cost is very important. 

      

     The next thing you should do is look back at your medical cost, it will be cost utilization, if you have an idea of how medical/health plans are before you opt in for another or a new one then have a fixed amount you are willing to spend based on co-payments deductibles and co-insurance as well as what you can be able to spend on premiums monthly with each plan. You can be cost wise and strategic enough to find the cheapest insurance plan when the total cost isn’t the highest plan or the lowest price.

     So you might just be good financial manager by first of all knowing what you need, comparing cost of different health insurance plan (Take your time, log into various insurance health companies and compare their offers and cost) and have the best part of it.

3)    Ok, let’s say you are ready to and want to purchase a health insurance plan but out of what is available in your pocket, the next is to look for insurance brokers, ask them what is available in different plans of their insurance company, compare the cost and definitely you are not going to end in one because all you doing is shopping. For instance, you want to purchase a car (looking for a cheap car to buy), when you get to the first shop, the seller tells you the cheapest car is for $10,000, take hold of that information and move unto another shop you might luckily see the same car offer for $9,000. 

     This same method applies to shopping for a cheap health insurance plan when you go to an insurance company you ask for their plans and the cost and move on to another insurance company. You can even do this on their website (Link -        List of insurance company) by visiting their website, many websites allow you to get their quotes online this will be helpful to you than just sorting out for an health insurance brokers website.

Tips:visit Health Insurance like ehealthinsurance.com, getinsured.com or healthcare.gov. 

This healthcare insurance companies allows you to get and compare plans/quotes.

4)    Choose the plan that suits your needs: your comparison, you will definitely have a fixed plan in mind that suits your needs or close to your needs while the experience plans covers all your need but have it in mind that health insurance is not only about the monetary aspect but basic services needed to be covered by these health plan just as listed above.

5)    Be careful of short term plans: short term plans are not always the best though they are relatively cheap. Before you conclude on having a short term plan to save yourself of too much expenses consider the fact that these plans may likely have some policies which apply on the expensive plans that means if you have some conditions before the having the plan, the short term plan providers. May not cover up for this and in the case of serious illness you might not have the privilege to renew your plan.

     Find a cheap health insurance plan is something that takes time and a lot of effort too, you just have to be patient and major financial tool to help you achieve this, explore the options and evaluate them to arrive at a conclusion/solution that best suits your need.

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TIPS: DO YOU KNOW ABOUT  THESE TYPES OF HEALTH INSURANCE? READ:

THE HEALTH MAINTENANCE ORGANISATION (HMO)


POINT OF SERVICE PLAN (POS)

OTHERS