If you’ve found yourself in a similar situation, please provide other affordable options.
Tags: Alternative, Begin, Employer's, Expensive, Health, Insurance, Looking, Where
If you’ve found yourself in a similar situation, please provide other affordable options.
Tags: Alternative, Begin, Employer's, Expensive, Health, Insurance, Looking, Where
Try this site
http://heinsurance.notlong.com
here you can compare quotes from different companies.
There are two general types of health insurance, group and individual. By far, group health insurance is much less costly than individual insurance.
Individual policies are what is purchased by those who cannot buy into a group policy. Groups are cheaper because the premium is rated based on a large risk group. The employer usually elects to pay a certain percentage for the employee.
If you choose to go it on your own, you’re going to pay an individuals price. That premium will be based on all risk factors such as your health, your occupation, what coverages you choose and with what deductible and co-pay that you opt for.
Individual insurance is harder to qualify for than group and your group most likely has an open enrollment period annually for you to opt in without proving your medical insurability.
This is not so with individual. You will need to prove you are medically eligibility and will be put through the application and undewriting process.
To shop for individual policies go on-line or call an agent. My preference is speaking to an agent who can customize the insurance plan for you.
My recommendation, after you get the price, is to ask all relevant questions such as: What is my lifetime limit of coverage? What is my deductible per occurrence? What is my max co-pay or out of pocket expense? Are prescriptions covered? All of these things and more will vary according to which plan you choose. An easy rule of thumb when shopping is to remember the more risk you take on, the less your premium. The more the company must take on, the higher your premium.
Some individual plans, which are popular today, are high deductible plans such as Assurant and Blue Cross/Blue Shield. Depending on your age and health, most people are choosing the $5,000-$10,000 deductible plans to have their premiums less than $300 per month.
I advise all of my customers that if they qualify for a group health insurance plan, they would probably not benefit from opting out of it.
Finally, there are supplemental plans out there that help pay for co-pays and deductibles. Check into those with companies like AFLAC, STATE FARM and ASSURANT.
Gingers answer is right on.
Call a independent agent and get a copy of the policy your employer provides for comparison. My guess to get a policy on your own that is as good or better will cost you at least 3 times more than your employers plan.
Group insurance even if it appears expensive is most likely a bargain vs buying an individual policy.
good luck
I have experience with an affordable alternative to Health and Dental Insurance. Please e-mail me at: CWhiteJr@yahoo.com (or) CottrellWhiteJr@comcast.net (or) CWhiteJr@gmail.com (or) CottrellWhite@gmail.com. Cottrell B. White, Jr.
Get as much resource as you can maybe is one option,however it could be quite time consuming,herehttp://www.HealthInsuranceFree.info
is one resource i have had good experience.
health-quotes.isgreat.org – my family have this health insurance. It is affordable and has good coverage for dental issues.
You find an insurance broker that does business in your state and they’ll help you. They’re free to use because the insurance company pays them…not you.