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Health Insurance Options
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you but not your dependents?
Does your insurance require high deductible and co-pays?
Are you at a high risk of developing serious illness (cancer, heart problems) requiring expensive medical treatment?
Are you looking for ways to defray high medical expenses?
If you answered yes to any of the above, don't worry. The solutions are out there.
And we've put together the necessary information and resources to enable you to find the one that best fits your particular situation.
It's true. The law does not mandate employers to provide health insurance benefits to their employees.
In fact, 74% of the uninsured Americans are employed. Most are full time employees of small businesses. And others work in large corporations either on a part time or seasonal basis.
If you are one of them, don't worry. Know that you are not alone and that there are several options available to you.
Keep in mind though that whatever situation you may find yourself in...do not risk going without health coverage.
Do not skip or postpone seeking medical treatment if you are ill. Go see a doctor. Follow your prescriptions. Take good care of yourself.
Importantly, make sure you have adequate health coverage to protect you from major financial losses in case of a major injury or illness.
Most Americans get health insurance through their jobs. Job-based health coverage tends to be more comprehensive and less expensive than individual insurance. It also provides you more protection (if you have pre-existing condition, pregnant, or have disabilities) under federal and state law.
If you are offered health insurance at work, review your policy thoroughly. Understand what is covered and what is not. If you are just in the process of choosing which type of insurance you will enroll in (HMO, PPO or POS), feel free to review the 7 steps to choosing and buying health coverage.
Click on the different medical insurance options below. Examine each one carefully and determine which one applies to your specific situation.
1. Consider Supplemental Insurance.
2. Get Temporary Medical Insurance.
3. Check out your Spouse's Insurance.
4. Buy Individual Insurance.
5. Sign up for a Health Savings Account.
6. Look into your State's High-Risk Pool program.
7. Enroll in Medicare.
8. Apply for Medicaid.
9. Visit your Local Health Care Clinics.
10. Seek Prescription Assistance.
If you wish to get FREE individual and family health insurance quotes, compare different health plans and find affordable / low-cost health coverage, click here.
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