I am looking for affordable health insurance for myself, age 47 female who smokes.?
102425
Never tell them you smoke!!!!
880401
When I graduated from college (5 years ago), I got temp health coverage from Fortis, which is now Assurant Health.  It was a simple online process.  I remember it being affordable.  I cannot speak for how good it is, because thankfully, I did not need to use it.  After 6 months, it expired and that was it\nhttps://www.temporaryinsurance.com/stm/(nzuznvznzbxmqe55raetbozl)/GetQuote/\n\nIf I just graduated, I would take a serious look at this site.  They seem to specialize in students.\nhttp://www.gradmed.com\n\nJust make sure you read what they will not cover.  For example, don't get pregnant.\n\ngood luck\n\n.
530793
Health Insurance........
424301
Go to www.ibx.com and click "Find a Health Plan."  My friend has coverage for $115/month
934130
Check out health plans available through your college and see what students like you are doing about health insurance. If that doesn’t work, several major insurance companies have developed plans aimed at the so-called “young invincible” market – people in the 20’s. That’s a good thing since about a third of all recent college graduates don’t have health insurance. Two of the most prominent plans are from Blue Cross Blue Shield and UniCare. The BCBS plan is called the “Tonik Health Plan” and was originally developed in California, but is expected to expand rapidly. It features low premiums ($70-$135) and high deductibles ($1,500-$5,000). Another plan for men and women in your age group is from UniCare. Again, it started in Texas but is supposed to branch out to other parts of the country. It’s called “Sound” and has features similar to the BCBS plan.\n\nHealth plans differ in three basic ways:\n\n•monthly price/annual deductible\n•access to health care (the degree to which you can visit whom you like and undergo medical treatment a specialist thinks you need)\n•financial strength of the insurance company\n\nAlso, the price of a plan is not simply the premium you pay each month. You also have to consider the annual deductible, as well as any coinsurance amounts or copayments. Additionally, the savings you can achieve through an HMO, PPO, or other managed care plan can be erased if you have to go outside the network for expensive medical care. I’ve included links to two articles that do a good job of walking you through making the best possible choice in health insurance you can afford that still provides the coverage you need.\n\nYou might also want to look into short-term medical insurance. It doesn’t offer the same range of benefits as longer-term insurance, but many people get these kinds of plans when they’re in-between jobs. Typically, they last from a month to six months, although you can find short-term policies that last for a year. Short-term plans usually help pay for:\n\n•Hospital room and board\n•Ambulatory services\n•Intensive Care\n•Lab Exams\n•X-rays\n•Prescription medications\n\nThe Web has many different Web sites where you can compare and contrast local health plan prices and features. MostChoice.com is one such site, and you can also get in touch with local area agents without any obligation. Tell them what you want and what you want to pay and have them do the legwork for you.\n\nYou can visit MostChoice here: http://www.mostchoice.com/health-insurance.cfm\n\nHope this helps,\nBarnes@MostChoice
230414
Contact your local law authorities,...as I'm SURE they'd appreciate your interest in doing the right thing.  Having health insurance and a life insurance policy might not be a bad idea either.
910463
There's a company out there that helps people who do not have and need affordable dental benefits. It includes all basic things and then surgery, crowns, even orthodontics. There's no high premiums, deductibles, co-pays, waiting periods, or anything like that at all. They can save you up to 80% on your out of pocket expenses for a very small fee every month. It could end up saving you a lot of $$ over traditional insurance. Try this website and you can check out the specifics and providers in your area. http://www.everyonebenefits.com/40424269... They are wonderful. I have benefits through them as well. Hope you find what you need. Please email me if you have any questions, and I'd be happy to help you if I can. Best of luck.
369892
I would check with the state you live in. For example my state (NY) has a plan called healthy NY for working people that have no insurance at reasonable rates. Go to your state's website to check.
153574
Man, I hope you have insurance. Hit up the website of your carrier and click on "directory." Good Luck.
953916
try http://everyonebenefits.com/40436527 it's $49.95 per month for an individual. It covers all specialists, prescriptions, labs, x-rays, hospital stays, etc. Pre-existing conditions covered. No deductible, no claim forms, and no waiting period to use your benefits. Contact me with any questions you may have.
241524
Try a Temp Agency, particularily one that specializes in Healthcare.
415121
Check with your local hospital. They may have smoking cessation groups and possibly help defray the cost of the patches.\nGood for you for wanting to quit.\n\nMost insurances do not pay for the patch.\n\nYour medicaid may pay or some other form of smoking cessation, so check with your doctor.
305458
Is this a health insurance plan paid for by your employer?  If it is, take the one that would most benefit you and your family.  HMO's may be fine for some people, but I chose to take Blue Cross/Blue Shield; it allows me to go to any doctor I want, and just about everything is covered.  Yes, there may be a higher copay bill you may receivef rom the doictor, but it is worth it.  HMO's tend to dictate who, what, where, when and how you can receive medical treatment.  They also may not be accepted out of your area, so if you were on vacation, thwere may be a problem if something may happen that requires a hospital or doctor visit.  Research all plans available to you, and make the decision that is best for your needs.\n\nI am the president of my union at work, and we are fighting to keep BCBS; we have been without a contract for a year and a half, and will wait as long as we have to to insure that we keep this benefit.
740452
a few questions for you one do you pay for your policy at work if you do then stop you do not want to pay for something now and then if you leave before you retire you are out of luck usually where that coverage would drop off so I would recommend instead just getting a term policy and using some of that money that you would have used for the premium at work and a little extra that you would already be paying \n2 how old are you I would get as long as a term that you can afford because the fact that you cannot guarantee how healthy you are going to be in 5 year let alone 30 years\n3rd I would tell you what I would do if I where you I would get a $100,000.00 UL policy plain and simple that rate would stay the same for the rest of your life, and then if I needed more then the $100,000.00 I would then get a term policy for the remainder in a term policy for the maximum amount of time that one the insurance company offers you and secondly that you can afford if you have questions and want to hear some rates IM me at rahnside and I can pull them up for you I or another Life Agent is Licensed in every state of the US and have over 20 AM Best A- or better companies \n   A Life Specialist \n            Rahn A. Sidebotham II
1042372
The National Associated for the Self-Employed (see link below) has some good information. They have a health care Web site with some good information as well (also below). Also, some states have group-purchasing pools for small business and the self-employed. Getting insurance through a purchasing pool typically means that your employers would not have to all be part of the same health plan, which could be good for morale. The downside is that purchasing pools are relatively new and it’s unclear how much savings they really offer.\n\nDepending on the kind of business you’re in, there may be a trade association you can join and get group health insurance through them. Some states have looser restrictions on health insurance through trade associations, meaning that you would pay less for insurance and get more coverage options. I’ve included a link below to state insurance departments – it might be a good idea to contact them or your local chamber of commerce to see if they have any ideas. You also might want to check out this Web site’s (link below), state guides to small business insurance. It’s simple but it might give you some ideas.\n\nOh, one last link (below). It’s to a recent Consumer Reports article about association health insurance scams.\n\nAfter you’ve done some researching, try visiting MostChoice.com. I know you’ve said you’ve tried sales companies to help you, but MostChoice has a no-hassle way to shop for insurance. You fill out a short form, they send you information on health plans available in your state, and local state-licensed insurance agents contact you within 48 hours to talk about what you’re company needs in a group health plan. It’s free and you’re not required to buy anything from the agents who contact you. Just wait until one of them delivers an insurance solution that makes sense for you and your company. And be up front; let them know you’ve done the research. It sounds like you know what you want to pay. Just write down what you and your employees want in a health plan and present it to the insurance agents. Let them do the heavy lifting.\n\nYou can visit MostChoice here: http://www.mostchoice.com/health-insurance.cfm\n\nHope this helps,\n\nBarnes @ MostChoice.
733231
Are you buying your own plan or are you employed? Employer based insurance is usually the best and the cheapest.\nIndividual policies are okay the thing is as you add more things to it the price goes up. There are tons of of websites offering "the best insurance" but this is what you need:\nLow deductible, Low inpatient stay deductible/copay.\nReasonable pharmacy plan if it's offered with the medical.\nDo they cover your annual exams for both you and the baby, some individual plans don't.\nDo they cover baby vaccines. \nLabs and radiology is there a copay? Some radiology tests may on different plans.\nBirth Control what products are covered, if any? (after you deliver)\n\nAt my job I suggest www.ehealthinsurance.com
293262
you can go for Bajaj Allianz life insurence. I think its good. visit:www.bajajallianz.co.in