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Health Insurance - Are You Covered?
By Jeff Lakie
With the ever-increasing cost of health care, procedures and medicines,
it's no wonder that the cost of health insurance has also dramatically
risen over the past few years. But as that's happened, insurance
companies and the government have seen the potential negative impact of
families and individuals without insurance. There are some things you can
do if you don't have health insurance.
A federal mandate requires that all 50 states have a health insurance
program for children. Each state was allowed to create a plan tailored to
the needs of children in that state, but there are some things that are the
same from one state to the next. The first is eligibility.
Government funded health programs typically have very stringent income
guidelines. These health insurance programs have income requirements,
but the criteria allow higher income than most programs.
Another criteria for participation is that the child isn't covered by any other
health insurance. That differs from most programs in a very important
way. Most programs say that if the family has access to insurance, they
aren't eligible. That means that parents who have employer-based
insurance don't qualify. But many of the employer-based plans are too
expensive, and workers sometimes simply can't afford the premiums.
This program is designed to help fill that gap.
These programs don't cover families - only children. But there are some
great benefits for those who qualify. Some states offer mental health
benefits, transportation to and from appointments and dental/vision
benefits.
If your children don't qualify for this program, or if you're in the market for
individual health insurance for an adult or private insurance for a family,
you have some options. Even though insurance is typically very
expensive, you can take some steps to control costs.
You can eliminate extras such as vision and dental coverage, and
increase deductibles to lower the cost of your insurance premiums. Look
for policies that don't include maternity benefits and cancer plans as more
affordable general health insurance plans. Basic coverage will likely be
less expensive than an all-inclusive health insurance program.
Finally, shop before you make a decision. Even if you're offered employer-
based insurance, you might find a better deal elsewhere (depending on
the amount of employer participation). Look to professional groups for
discounts and advice.
About the Author
Jeff Lakie is the founder of Insurance Resources a website providing information on Insurance
Article Source: http://www.simplysearch4it.com/article/10756.html
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