Cheap health insurance?
360000
Health Insurance provided as a group plan at a business is often twice as expensive as a "individual/family" plan. The reason is that a group plan is not medically underwritten so "sick" people are covered. Also maternity is covered in most group plans but not in individual plans. So switch to an individual plan if you are healthy. To further lower your cost get a higher deductible either $2,500 or even $5,000 per year. Pay the small stuff yourself but use the insurance for the "BIG DEAL".
713010
I understand your problem. My husband was put in the hospital last year and had emergency surgery and I had past hips surgeys and they won't even give us insurance. I started researching some stuff and found a great site that offers health benefits. It's not insurance but you can save up to 80% on dental and medical benefits and you get free prescription, Free chiropractic and free vision. Best of all it's no more than $60.00 dollars a month for the entire household. That site below will offer and show you have to obtain benefits. \n\nGood luck and I am sorry we all have to deal with the goverment doing this to our families.
875444
Here's a good article for choosing a health insurance plan:\n\nhttp://www.bellaonline.com/articles/art31285.asp
720285
Get in on an insurance plan. :)
231841
Shop around for an inexpensive health insurance, especially one with a medical savings account.  With this account, only a little of the premium goes toward the insurance and the rest goes into an interest bearing checking account.\n\nAvoid the ones you see on the internet.  Some are not legitimate and can actuall be used to obtain personal information about you and steal your identity.  It's happened.
210809
There is not one company that is cheapest for everyone.  It will vary be driving history, credit score, age and other factors.  I would contact several local agents to compare quotes. Here is a directory - http://www.findlocalinsurance.com
155587
Good luck.....YOu can find cheap accesories for them.....But as with most the cheaper you go the worse they are.
886604
Go to any emergency room, just like the illegal aliens do for medical insurance....it works for them
1127713
You can pay a premium for any health care provider if you have the income. It will be cheaper if you can buy the insurance as part of a group. You can usually join the local Chamber of Commerce and get group rates from HMOs and other insurers for your area or, if that is not available, join the Small Business Service Bureau and get the same group rates.                http://www.sbsb.com/\n\nThere are many "health insurance" sites on the web, but they are not really health insurance. They are discounters, who try to get service providers to offer the same rates they get from insurers, but you have to pay first and maybe get a rebate, or you have a large deductible. It does not usually cover much for hospitalization or specialists.\n\nYour state may have a subsidy available for small businesses to pay part of the premium. You'll have to go to your state's web site and look for the health insurance information.
963914
The Basic and Essential plan is alot cheaper then the Blue Cross HMO plan. The basic plan is just that. Very basic! $30 copay for doctors $500 copay for hospital inpatient. Alot of the major services are covered by either a high copay or a 70/30 coinsurance. The plan info. sheets on the site are pretty good. Most agents dont know much about the ind. plans because they are more hassel then they are worth commission wise. You may want to go on your mom's plan as an overage dependant. You may keep this coverage until your 30th birthday. Your premium would be about 60% of the single rate that your mom pays. Its a good deal and you will get better coverage then the individual plan can provide.
1150964
The best place to start is by doing what you’re doing now – asking for personal recommendations. What kind of health insurance are you looking for? It might be a good idea to jot down a list of the different aspects of a health plan and then chart the differences between various plans you come across. Here’s an example:\n\n·Monthly price (premium)\n·Yearly deductible (amount you spend before the insurance company will start paying)\n·Copay amount (amount you pay per service)\n·Coinsurance amount (amount you split with the insurance company – usually a percentage; i.e., you pay 20 percent and the insurer pays 80 percent)\n·Freedom of choice (can you visit whatever doctor you want?)\n·Preventive medicine and routine doctor visits (does the plan include these?)\n·Mental health (included in the plan; copay amounts; maximum number of annual visits).\n\nHMOs (health maintenance organizations) are popular right now, and they usually include mental health coverage in their plans. A typical example is that you would pay a monthly fee and then a copay when you visit your therapist (usually around $50 for a plan with low monthly payments). One potential problem, though, is access to physicians. An HMO might not have the kind of mental health specialist you’re looking for. Before you enroll in an HMO, I would strongly urge you to look at their mental health specialist roster. For more choices, you might opt for a PPO (preferred provider organization) or a traditional fee-for-service plan.\n\nOne helpful Web site is needymeds.com (see link below). It is a catalogue of Web sites devoted to discounted drugs and medical programs.\n\nThe best way to find answers to your questions, though, is by talking with local insurance agents. Just tell them what you’re looking for and how much you want to pay, and then wait until one of them brings back a policy that’s right for you. You won’t spend any more on a plan from an agent than if you bought the same plan online. MostChoice.com is a Web site with state-licensed agents throughout the country. When you visit the site, you fill out a short information request form. You’ll get free quotes and policy information on health plans near you, and within two days agents should contact you. There’s no cost and you’re not expected to buy a policy from the agents. Also, MostChoice will use your personal information only to help you find the health plan you’re looking for.\n\nYou can visit MostChoice here: http://www.mostchoice.com/health-insurance.cfm\n\nGood luck. I hope this helps,\n\nBarnes @ MostChoice.
634727
Go to an Urgent Care group close to where you live.  This is an easy-to-fix problem and be sure to let the provider know you are on a budget.  There are some standard medications that are cheaper than others and do the job 95% of the time.  I'd estimate with Rx, you can do it for $50-60 dollars, maybe cheaper.  Check around.  \n\nA second thought.  Does you campus have a student health center.  That certainly would be the cheapest.  Look into it.\n\nA third thought.  Some towns have low income or volunteer health clinics that will see you.  I used to volunteer at one.  We asked for a $5 donation which included being seen and medication...what a deal.\n\nDon't go to the ER - the bill will be five times that of an urgent care.  In the ER it is their job to prove this is not an eye emergency and that takes time and dollars.  A hospital does have to evaluate you whether you have insurance or not but they do not have to treat you if you are not experiencing a life and death issue.  Further they will attempt to bill you for services rendered, including sending the bill to collections...save yourself the grief, find a clinic as I mentioned above.
545973
Honestly, if you're in a financial crisis, buying a dental plan is hard to do.\n\nI bought my health insurance on www.ehealthinsurance.com.  They are the easiest site I've found to compare benefits of companies at certain premium price levels.  I did it for Washington State.  I believe they have other states.\n\nIf you're hoping to use the insurance to save you health care costs, the answer is probably no.  A $500 deductible plan is very expensive.  If you're trying to prevent a worst-case catastrophic event, then there are a number of inexpensive plans available.\n\nWhen you analyze if you are going to get insurance, consider the reason.  If it's to save on health care costs short term, frequently, by the time you pay for the premiums and deductibles, it would have been cheaper to simply out of pocket the expense.\n\nEmail me with any questions.  Good luck,\n\nJared
996679
It depends on what you mean by affordable. That is, affordable could mean low monthly payments. However, if it doesn’t provide the financial protection you need or the access to the kind of care you want, having the insurance really won’t justify the lower payments. New Jersey does have a state-sponsored health insurance program called NJ Family Care (I put the Web site below). You might want to see if you qualify for that health plan.\n\nIf you don’t qualify or are not interested, many families are choosing HMOs – health maintenance organizations. They have relatively low monthly premiums and include preventive care and regular doctor visits in their plans. However, some people like the freedom of going wherever they want to go for health care, and HMOs offer full coverage only if you visit one of their participating doctors or hospitals. The New Jersey Department of Insurance puts out a Performance Report every year on HMOs. At the bottom, I’ve included a link to the 2005 report.\n\nThe best resource for health insurance information, though, is a health insurance agent. I’d get in touch with more than one if I were you because they can offer you a wide range of insurance products. MostChoice.com is a great way to get in touch with state-licensed insurance agents. You just fill out an information request form and within two days agents will contact you to talk about family health insurance. There’s no cost or obligation, and you can also view instant free quotes on health plans available near you. All you have to do is have your questions ready and tell the agents how much you want to pay and what kind of coverage you expect to get in return.\n\nYou can find it here: http://www.mostchoice.com/health-insurance.cfm\n\nHope this helps,\n\nBarnes @ MostChoice.
378212
Good Luck, join the crowd of Americans with no insurance. Thank you Mr. Bush! There are state funded insurance you might qualify for, but they are usually closed to new patients. Or you can go to your city public health department, they can help you out.
1073336
Base on your description, it is impossible to get a good rate. Rates that are advertised online or on TV are for people with perfect health. No matter what type of policy you get, cash value or term, it will be very expensive for you and your husband to even get $100,000 coverage (premiums are at least $2000/year).\n\nMy only advice is to look around for companies and find which one offers the lowest premium. It is better that you find out by calling the insurance company directly instead of filling stuff out online.
773742
I don't know of any cheap exe exams, but there is coverage for $11.95 per month and it can be used immediately. No waiting period, no deductible, no age limit, all pre-existing covered, RX is included. http://mybenefitsplus.com/40436527