Find an Affordable Health Insurance Company in 3 Easy Steps


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Are you looking for an affordable health insurance company? Almost everyone needs health coverage, and they need a plan that meets their family’s needs, covers the services they need most, and fits into their budget. While some people think they should be able to find a single insurance company that has more affordable rates than others, that’s not exactly how the process works. Insurance companies generally have more than one offering. They provide lots of different insurance plans. Some are basic, no frills plans at the lowest cost. Others provide more coverage for a wider range of needs and therefore cost more.

Here are three steps to follow to discover an affordable health insurance company to meet your specific needs:

1. Determine how big the insurance company is. Companies with more members have more negotiating power when it comes to getting rates for working with doctors and hospitals. They are able to get lower rates for the services you use, and as such, they can charge you lower rates for your insurance coverage. Conversely, smaller insurance companies don’t have that same bargaining power and must often pay more for the same services. As a result, you pay more, too.

2. Get quick quotes and compare plans. Via the Internet, you can get quick quotes on insurance plans from multiple companies. Certain websites include tools called quote engines, which will let you get multiple quotes and then compare them side-by-side. It’s as simple as plugging in your zip code and filling out a few choices. In a matter of about 10 seconds, you’ll get a list of quotes. By comparing the plans and opting for ones that only provide for the services you need and desire, you can save the cost of unneeded services and get a much more affordable health insurance plan that meets your requirements. (For instance, men do not need maternity coverage.)

3. Research the company. Before you actually select and pay for a health insurance plan, make sure the affordable health insurance company you select has a good reputation. You can find out how current customers have rated the company and the plan. Look around to get some feedback. You want to know that your affordable health insurance company is also a reputable one.

Saving Money With Your Insurance Coverage

In addition to saving money on your insurance premiums, there are things you can do to help save even more money on medical expenses. Here are a few tips:

* Contact multiple providers to find out the prices on particular services and procedures. Some providers offer much better pricing than other facilities for the exact same procedure.

* Reserve emergency room visits for absolute emergencies. Otherwise, go to the walk-in clinic or call for a regular appointment with your physician.

* Utilize home remedies for common ailments before going to a physician. See if they work first.

* Don’t get x-rays every single visit to the dentist. You really only need x-rays once every one or two years.

* Utilize a mail order service for prescription medications.

* Always ask if there is a generic prescription medication available and get that instead of the name brand if possible.

* Opt for a higher deductible on your health insurance plan. Your premiums will be lower and, if you don’t use health insurance services often, you’ll come out ahead financially at the end of the year.

* Pay premiums annually. You can often get a discount versus making monthly payments that may include a service fee.

* Go to the local free clinic when you can.

Finding an affordable health insurance company is one step toward ensuring your family’s health needs are met in accordance with your budget. When combined with these additional tips, you can manage your health expenses even better.

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The Big List of Health Insurance Companies

In the past health was not much of a political issue. People breathed fresh air tried to eat healthy fruits & vegetable that grew naturally with the use of organic fertilizers and used what medicines were available.

But today people usually use non-organic fertilizers and use those with chemicals on them. Also one of the contributing factor which affects people’s health is pollution, people barely breathe fresh air in the city. They have to go to the mountains or the country to breathe fresh air. Today people are becoming aware and concerned about their health, especially when there was a SARS and H1N1 virus outbreak in the country which reach the other country.

Health insurance may be very expensive yet it is also very important for it deals with you and your family’s health which could later lead to your death if it is not given medical attention. Having your whole family covered in a health plan will also give you peace of mind for you know that when one of your family members gets sick the insurance company will help you pay for the bills.

Health insurance is expensive because many of our medicines are also getting expensive. But if you are planning to get a health plan then you should first see what your budget is. You can find insurance plans that fit your budget and gives you the medical needs that suits you and your family.

Here is a list of some Health Insurance Companies that provide service in the United States. This is not an exhaustive list but should provide some idea of where to look for individual private coverage.

America Medical Security, Inc.
Oregon Health Insurance
Independent Blue Cross, Philadelphia
Community Health Plan of Washington
WPS Health Insurance
Southeastern Indiana Health Organization
ViaHealth Managed Care Services
Affinity Health Plan
Independent Health
CarePlus Health Plan
MedAmerican Insurance Company
American Family Mutual Insurance Company
UNICARE Insurance Company
Botsford Health Plan
American National Insurance Company
Vista Health Plan
Harvard Pilgrim Health Care
Oxford Health Plans, Inc.
UnitedHealth Group, Inc.
Sentara Healthcare

Listed above are only few of the many health care providers in our country. If you decided to buy a health insurance then make sure that the insurance company is approved by your state government.

This is so that you won’t be deceive by the fake companies, especially when you are planning to buy your coverage online. There are many good to be true health insurance that are offered online but don’t jump to it right away so that you won’t be one of the many victim who paid for that insurance that does not exists.

Make sure that if you purchase any insurance you purchase it from a reputable insurance company just to be safe.

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Health Insurance Companies Aren’t Gouging Us? Take a Look at the Numbers

The much-maligned health insurance industry has not always deserved the contempt it receives. These companies are usually accused of caring only for profits, but those profits are not as great as most of us imagine. There is room for some improvement in the industry, but such improvements will not reduce health costs significantly. A clear understanding of your policy will go far to reduce the hostility many feel towards this essential industry.

Most commercial health insurance companies have three objectives: collect dollars from premiums, pay off overhead with what’s collected, pay off claims, and have about 3 to 6 percent of the total collected remaining as net profit. This profit goal is relatively modest. Americans pay $2 trillion dollars a year on health care, including the operating costs and profits of health insurance companies. This averages out to approximately $6,551 for each man, woman and child in the United states, or approximately $537 a month. At a 6 percent profit, the industry is earning $120 billion a year. This averages out to $387 a year, or $310 million in total from what Americans pay towards the insurance companies’ profits, or $32 a month. A mere 5 percent of what you pay each month for health insurance goes to the profits of the insurer. You pay that percentage to a taxi cab driver as a tip. Obviously, the health insurance companies are not charging their customers an excessive percent of the total for health insurance. Yes, they are in it for the money, but they’re not gouging us.

All organizations have some leakage of cash, and the health insurance industry is no exception. Their organizations spend a great deal on administrative costs, streamlining their operations, and increasing efficiency of operations. All this may go to reduce their operating expense and thus, the cost of insurance for us, but we can’t expect significant savings here.

Yet the new Health Reform law is requiring health insurance companies to spend 80 percent of those $2 trillion on medical treatments. That means they’ll have $400 billion left over. Subtracting their profits ($120 billion), they’ll have $280 billion to cover overhead. If they are able to reduce operation costs by just 1 percent, or $2.8 billion, and turn that into premium reductions, the $537 each person now pays is then reduced to $528, a savings of $9 a month or a savings of $108 a year. Although every penny counts these days, these numbers aren’t too significant to most of us.

Health insurance companies have been mandated by the new Health Reform Law to modify some of their policies, which may raise the cost of insurance. They are now prohibited from dropping people from insurance while they are sick. Now, they cannot deny coverage to children with pre-existing conditions. They can no longer impose a cap on the amount they will pay during a person’s lifetime. In 2011 they have to start paying 80 percent of their earnings towards medical treatment. In 2014 they can no longer refuse to sell policies to anyone, with or without a pre-existing condition, and the price they set for policies can’t be based on the customer’s health condition. So, by 2014, no one will be excluded from obtaining health insurance in the United States.

These measures, particularly the provision that doesn’t allow insurance companies to deny insurance based on a person’s health status, will go a very long way in reducing our overall health care costs. With universal coverage, many illnesses can be cured in their early stages, thus avoiding the most expensive treatments, those in the emergency room.

All of us should pursue a clearer understanding of the purpose of health insurance companies. They are not humanitarian, non-profit organizations, but businesses with the objective of making a profit. Much of the misunderstanding is fostered when an ailing patient is told by the insurer that their medical requirements are not covered by their policy. It is therefore absolutely imperative that you’re clear about what your policy will cover before you enter into an agreement for coverage. Nobody likes to spend money needlessly, but when it comes to spending money on your health, without an insurance company, you could do worse. Know your policy and expect health insurance companies to strictly abide by it. Whether we like it or not, we can’t do without them, and they can’t do without us. You’ll appreciate them most when that $13 thousand dollar bill comes in following a brief visit to the emergency room, and you don’t have to pay a dime. Then spend or save that $13 thousand for your future needs, such as college or retirement!

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Are You Protected If Your Health Insurance Company Goes Under? Searching For Health Insurance Prices

Some consumers elect smaller insurance companies and unfortunately, this comes with risk. Smaller companies face higher risk of going under. When these companies go under, policyholders can face numerous problems. Typically, when this atrocity occurs, the policies become what are called “lost” and this includes the coverage as well. There is good news to this scenario with online health insurance companies that evaluate possibilities of companies going under due to financial failure. This allows consumers to switch other providers while not being left holding a plan that is now considered worthless. When you are seeking affordable health insurance quotes, ensure that you check the financial standing of any corporation before purchasing a medical policy.

How can I find out if the insurance company is at risk of going under?

In determining if a company is likely to go under, you should review the history of the company. Any company that offers reliable health insurance has to maintain capital, which allows them to receive good credit scores and heavy backing from financial institutions. You will be surprised to learn that financial institutions own most medical insurance companies. You want to conduct business with a company that has history in the medical insurance industry. Having a good history in the industry allows them to offer insurance under the regulations of federal and state laws. The best insurance companies not only offer great coverage with their medical policies but affordability with their health insurance rates.

What if the company cancels my policy?

If a company cancels, your policy due to going under, you must switch as soon as possible to a new health insurance provider. The fastest way to perform this task is with online health insurance companies that can give you instant proof of coverage upon purchasing their affordable policies. Most companies that are going under will typically give some type of notice to their policyholders before they go out of business. This allows consumers to find other coverage therefore avoiding long lapses in their medical coverage.

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