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Affordable Short Term Health Insurance Plans - Where to Get Them

Do you need immediate medical insurance coverage because you’re between jobs, waiting for company insurance, or a college grad? Here’s how to get an affordable short term health insurance plan quickly and easily.

What is a short term health insurance plan?

Short term health insurance plans provide temporary health insurance for a period of one to six months. Premiums are relatively cheap and in most cases you don’t need to submit to a medical exam unless you’re over 55 and haven’t had a medical exam in the last 10 years.

Most insurance companies let you extend your plan if you didn’t file a claim and your health is the same as it was during the initial insurance period.

What does a short term health insurance plan cover?

Short term health insurance plans are major medical plans that cover you if you’re injured or become ill. Coverage includes emergency care, prescription drugs, hospital care, X-ray fees, and lab costs.

These plans do not cover preventive care, routine medical exams, or pre-existing medical conditions, and do not provide optical or dental coverage.

Where can I get an affordable short term health insurance plan?

Short term health insurance plans are relatively cheap, but you should still compare quotes to get the best rate.

In order to get the cheapest rate you need to compare quotes from a number of companies. The easiest way to do that is to go to an insurance comparison website where you fill out a single questionnaire, enter the type of coverage
and the deductible you want, then compare rates.

The better sites even have a chat feature where you can talk with an insurance expert online and get answers to your insurance questions. (See link below.)

To save money on these plans you can raise your deductible (the amount you pay on a claim before the insurance company pays), and choose a 50/50 copayment (you pay half the claim and your insurer pays half ), instead of the typical 80/20 copay.

Visit http://www.LowerRateQuotes.com/health-insurance.html or click on the following link to get affordable short term health insurance plan 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 extensively on affordable short term health insurance plans.

By Brian Stevens Published: 4/25/2007

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If You Do Not Have Health Insurance Because You Cannot Afford It We Have A Surprise For You.

Health insurance is a complicated subject and an increasing number of people believe that it is just another thing that is too expensive to contemplate. But, you might be surprised to find that it does not have to cost as much as you might think to purchase yourself a bit of peace of mind.

An amazing one in five adult Americans say that they are not able to afford acceptable health care according to the latest figures released by the CDC (Centers for Disease Control). So, are you amongst the 40 million adults who cannot sleep soundly because of the fear of being unable to afford the cost of medical treatment should you have an illness or accident? Perhaps more to the point, do you have to be amongst the 40 million?

The CDC report which was released in 2007 and explored health care around the US looked in depth at a number of aspects of health care and revealed that:

1. 10% of people are presently not able to meet the cost of prescription medicines.

2. 10% of people put off having medical treatment as a result of the cost.

3. As many as nearly one out of three young people between 18 and 24 have no usual source of medical treatment or health care insurance.

4. 10% of people aged between 45 and 64 have no usual source of medical treatment and about half of these people are suffering from high blood pressure, major heart conditions or diabetes.

5. 20% of individuals below the age of 65 are not insured for at least a portion of every year, with most having no insurance throughout the 12 month period.

Many people are fortunate enough to get health cover through schemes operated by their employer, however escalating costs are forcing many employers to reduce their group health plans or to do away with them altogether. However, there are also many millions of people who are not eligible for cover under their employment and who need to arrange their own health cover. It is for this latter group that health care insurance is generally considered to be simply too costly.

But are you right to dismiss the idea of getting health insurance out of hand merely because you consider that it is too expensive? Health insurance comes in all shapes and sizes and, despite the fact that a traditional indemnity plan can be expensive, there are many less expensive options.

Put simply, medical insurance plans fall into roughly two categories comprising disability income policies and medical expense policies. The former compensates you for your lost income if you are unable to work because of disability and the latter provides you with cover for the cost of medical treatment as the result of injury or accident.

Each of these forms of medical insurance can be written as an individual policy or separately and individual plans can again be broken down to provide cover for specific areas such as accident coverage, hospital care, basic medical expenses, major medical expenses and more.

Furthermore, cover today can be provided by not only traditional insurers, but also by numerous group organizations, companies such as Blue Cross Blue Shield, HMOs and PPOs, each of which can offer a wide range of plans with payment options to match virtually every wallet.

If you are frightened off by the thought that you cannot afford to buy health insurance then think again. You may not be in a position to buy a fully comprehensive policy covering every possible eventuality but the odds are that you will be able to discover a policy which will give you enough coverage to allow you peace of mind.

Find out the facts and get professional advice and a free quote on everything from affordable health insurance to short term health insurance at MedicalHealthInsuranceToday.com

By Donald Saunders Published: 2/7/2008

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Small Business Health Insurance Tips

Here are a few tips for Small Business Health Insurance that would help you to understand how it works and how you can get a cheap one.

Starting a small business is critical to start since it requires a lot of investment, know-how, analysis and market research. To start it initially you have to identify the business opportunity that involves choosing what kind of business to start, which can be an immobilizing task when confronted with the multitude of opportunities. Build a business plan that allows you to gain a better understanding of your industry structure, competitive landscape, and the capital requirements for starting the business. A business structure has to be chosen since the basic legal structure is the sole proprietorship, Limited Liability Company, a partnership or S corporation. You need to get your business registered, which would require the paperwork and usual official approval. If you do not have the capital ready try and find out investors, the next thing is to find the location of your business and then get a business insurance since as the owner the responsibility to manage the risks lies with you, therefore it is always better to get it insured.

No, affording small business insurance is not a myth. It is actually possible to buy an affordable small business health insurance. To find the right health insurance plan for your small business can be really frustrating. In the current climate of escalating premiums, to find a decent coverage for you and your employees can sometimes feel like trying to find a needle in a haystack. But if you try you would get affordable and quality insurance.

A few tips that would help you to find the right Small Business Health insurance

• The first step in finding the right health insurance plan is research. The Internet is a great source of information so you can get all the required information. But don’t buy an insurance plan just because they have a great website. Make sure you know enough about the company to decide whether or not they are reputable and whether their plan meets your company’s needs.
• Another good beginning for finding small business health insurance is your local Chamber of Commerce where you can ask for a name of the Insurance Company that is right for you though they would also come up with the name of the most popular health insurance company, therefore your research would be helpful.
• Although the Internet can be a good resource, it is also replete with frauds that target small businesses, which are trying to save money on health insurance. Most of the time these scams hide behind terms like "health plans" or "health discount plans". The rule is that if a deal sounds too good to be true, it probably is really not true. Therefore, use common sense to avoid the scams and make sure your employees have the coverage they require when they need it.
• Health insurance plans change after regular intervals of time. The best deal that you are getting right now might not be the best deal a year from now (or even a month from now for that matter.) So it’s smart business to schedule an annual review of your company’s health insurance plan. Just be careful that changing health insurance plans too frequently may draw the ire of your employees, especially if they are forced to change doctors every time your company changes its insurance carrier.
• Without a reliable health insurance plan, your company faces an uphill battle to attract and retain high-quality workers. One of the reasons it is such a sensitive issue is that changes in coverage may have serious ramifications for the well-being of your employees and their families. Therefore, keeping your employees informed about changes in your businesses’ health insurance plan before the changes occur is critical and important for the smooth running of the company. Inform your employees about the coverage and services that are most important to them. Simultaneously, inform them of the financial costs and pressures associated with your health insurance plan. You can also involve them in the process of choosing the company’s health insurance plan.

  I guess these tips would help you in getting a reliable health insurance, which would meet your requirements.

By Poushali Ganguly
Published: 12/13/2007

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