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Below
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this page.
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Cheap 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 cheap health insurance.
It may be possible to keep the same cheap 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.
Cheap health insurance
information
The differences
among fee-for-service plans, cheap 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 cheap health insurance, HMOs and PPOs are offering
more freedom to choose doctors, the way fee-for-service plans do. By
studying your cheap 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.
Cheap health insurance
Cheap basic
and major medical expense plans are generally classified as indemnity
contracts. These plans indemnify, or reimburse, the insured for medical
expenses incurred and typically require the completion and filing of claim
forms. In addition, these health insurance plans usually contain a cheap
or sometimes very high deductible and coinsurance cost sharing provisions
and may restrict coverage for certain types of medical care expenditures.
Indemnity plans, however, provide the insured with substantial freedom
relative to the choice of physician, including whether a primary care
physician or a specialist will be seen.
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