Lost your job—or for some other reason—need affordable health insurance?
Make no mistake about it: the more “affordable” a health plan is, the more likely it is to have limited benefits! There’s just no “magic” about affordable health insurance. You may not want to hear this, but: If the premium is lower, the coverage benefits will also be lower! And some conditions may be completely excluded—especially pre-existing ones!
You don’t want to be in the hospital, with “affordable” health insurance, and then discover that you’ve got a whopping hospital bill, despite the fact that you have health insurance coverage!
So, the bottom line is: the less you pay for health insurance coverage, the less you’re likely to get! And the more you pay for health insurance coverage, the more you’re likely to get!
So if you’re shopping for affordable health insurance:
1. Take your time! Don’t rush into buying a plan just because it costs less!
2. Carefully compare several plans, read the benefits covered, and read the exclusions!
3. Call, ask a lot of questions, and then request in writing what you were told. (Good luck getting this in writing: not too many companies will oblige—but some may—or they may refer you to their Webpage containing that information.)
4. Some unscrupulous companies have been known to list their exclusions in writing—but when you’re in the hospital, despite the written exclusions you know about, they’ll exclude other things that weren’t even in the exclusions list! And you won’t find out about these additional exclusions until it’s too late, and you’re stuck with a big medical bill!
5. If you belong to any kind of group or organization, inquire if they offer a group health plan. Generally, group rates will be lower for quality coverage. But again, follow the above 4 suggestions!
6. Or check out an HMO (Health Maintenance Organization), such as Kaiser Permanente, which has a pretty good reputation for quality care and reasonable premium rates. Kaiser has facilities throughout California, as well as in several other states. Here’s their free quote Webpage:
Finally, for some excellent advice on “affordable” health insurance which can turn out to be “junk,” check out the ConsumerReportsHealth links below. Consumer Reports tells it like it is, names names, and has a great reputation for honesty and integrity!
Entire Report (Well worth your time to read!):
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