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Below
is a list of affordable health insurance topics that will be covered on
this page.
Affordable
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Affordable health insurance
What
happens if you or your family member leaves the job? You will lose your
employer-supported group coverage and may opt for affordable health insurance.
It may be possible to keep the same affordable policy, but you will
have to pay for it yourself. This will certainly cost you more than
group coverage for the same, or less, protection. A Federal law makes
it possible for most people to continue their group health coverage
for a period of time after they leave their employer. Called COBRA (for
the Consolidated Omnibus Budget Reconciliation Act of 1985), the law
requires that if you work for a business of 20 or more employees and
leave your job or are laid off, you can continue to get health insurance
coverage for at least 18 months. You will be charged a higher premium
than when you were working.
Affordable health insurance
information
The differences
among fee-for-service plans, affordable health insurance, HMOs, and PPOs
are not as clear cut as they once were. Fee for service plans have adopted
some activities used by HMOs and PPOs to control the use of medical
services. And affordable health insurance, HMOs and PPOs are offering
more freedom to choose doctors, the way fee-for-service plans do. By
studying your affordable health insurance options carefully, you will
be able to pick the one that provides you with the coverage you need,
no matter what it is called.
Affordable health insurance
Base health
insurance plans generally consist of either hospital expense coverage,
surgical expense coverage, or both. Basic hospital and surgical expense
plans generally provide coverage on a first-dollar basis (i.e., no deductible)
and provide 100 percent reimbursement of covered expenses, up to a relatively
low maximum of $10,000, $50,000 or $100,000. Major medical plans, in contrast
or health insurance, apply a deductible to initial expenses, generally
ranging from $100 to $500 per calendar year. After the deductible is satisfied,
major medical plans typically reimburse 80 percent of eligible expenses
up to a relatively high maximum, e.g., $500,000 or $1,000,000. Some major
medical plans reimburse eligible expenses at 70 percent; some plans also
provide unlimited lifetime benefits.
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Affordable
health insurance services offer you new faster insurance quotes, affordable
insurance plans and information.
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