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Private Health Insurance Companies
 85% of American population is covered under various types of health insurance coverage. This is primarily provided by the private assurance companies with the exception of special programs like the Medicaid, TRICARE, Veteran’s Health Administration and Medicare. These public or government medical care programs have restricted eligibility and approximately 60% of the American population is covered by various private health insurance companies. More..
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Cheap Health Insurance And Prescription
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Health insurance is a costly affair. Due to inflation and increase in prices of medicines, prescription drugs, medical services and medi- care technology, the rates of health insurance has more than doubled in the last 6 years. Although a daunting and overwhelming task, some extra effort in selecting and purchasing your medical assurance policy can save you hundreds of dollars and a lot of trouble in the long run. Given below are some tips to get cheap health insurance and prescription policy: |
- Tip 1: Indulge in window shopping, just as buying any other product. Ensure that you know the various benefits and cheap coverage plans available in the market. You can ask for free online quotes and compare the various services that you would be covered for under each plan.
- Tip 2: Another way of obtaining cheap health and prescription insurance is through your employer. Most big and medium sized companies in USA offer group health insurance to their employees. Such coverage gets discounts in the form of group benefits. If an employer does not offer such facility, you can approach your neighborhood church or association to start such group medical policies.
- Tip 3: If you are expected to be out of work for a definite and short period of time, you can opt for cheap Short Term Health Insurance and Prescription Policy. The premiums in the short term policy are considerably lower and cheap when compared to the long term policies.
- Tip 4: Under the COBRA medical benefits provision 1989, you can avail of the facility to extend your cheap group health insurance for a short period post retirement or resignation from your current company. There are several clauses to extend these benefits to your family as well. To know more about COBRA, please refer to the website: http://www.dol.gov/ebsa/faqs/faq_consumer_cobra.html.
- Tip 5: As far as drug prescriptions go, there are various prescription plans available in the market today. These plans offer discount cards in which an annual fee is charged and then the customer gets heavy discounts and cheap rates on prescription drugs purchased for rest of the year.
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Cheap Health Insurance And Prescription