I need help finding extremely inexpensive health insurance!?
958013
Look into (Medicare) Capital Health Plan in FL. (capitalhealth.com) for the best coverage in FL. Also look into commercial plans...Harvard Pilgrim  Health Care, (harvardpilgrim.org) based in MA. They provide good HMO/POS healthcare. Consider mail order pharmacy with these or any other plan(s) that you might get for good Rx co-pays.
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.
914143
Check with a scrapyard or a medical supplies store. If they can't help ya or direct you to a company who can, try your local hospitals social worker. They are used to finding such things for people who are uninsured or underinsured.
608229
May I suggest to you Ameri Plan's discount benefits program. They do not have any restrictions on ongoing conditions and you can start saving immediately. There is a hospital advocacy program that assigns you a personal advocate to negotiate with doctors on your medical bills.\n\nThe plan also includes savings on dental, vision, prescription and chiropractic care. I'd check them out. I'm so proud to be with them. I know I shouldn't advertise, but your need sounds great. Let me know if you have any questions. wlakin@ameriplan.net\n\nhttp://www.mybenefitsplus.com/40378118.....\n\nWe are currently running a promotion for just the dental, vision, prescription and chiropractic plan where you can try it out for 3 months for $23 total. This is a great service. You should check it out!
1132689
There are several good plans available in Florida.  Price is going to be a function of where you live and how old your daughter is.  Not all companies offer plans in all areas.\n\nThe best and most affordable health plan will be with Aetna, Blue Cross (BlueChoice), Humana, or United Healthcare (Golden Rule).  It depends where you live.  All are good companies ("A" rated by A.M. Best) with good coverage.\n\nPremiums are regulated by the Florida DOI (except UHC is regulated by the Illinois DOI and they do not regulate premiums).  Your best bet for a low premium is to look at deductibles of $1,000 to $2,500 with co-payments for Doctor visits and prescriptions.  These higher deductibles offer considerably lower premiums and can save you hundreds of dollars a year in premium.  \n\nIt is a question of managing your risk effectively.  Individual health insurance is medically underwritten.  This means that if you are not healthy and your are going to cost them money...you will be declined or the pre-existing conditions will be ridered (excluded) or rated up (price increase of 25-100%).\n\nOn the other hand, if  you are healthy you probably won't be using your health insurance for much more than preventative care.\n\nAetna, BCBS, and Humana all have good preventative care benefits that are NOT subject to the deductibles.  They also have co-pay options available or included in the product.\n\nI hope this helps.
1185310
You sound like you already know a bit about health insurance, but here’s a couple of general ideas, although it’s always best to talk with a qualified insurance agent who can help you get the right coverage. When you talk about $200-250, is that total costs for a month or for premiums and copays? It sounds like you might like a PPO over a HMO, although you might also be interested in a more traditional fee-for-service type of insurance. The PPOs will give you more freedom, but you’ll also have to fill out more paperwork. However, if you already have a doctor you like, you might want a PPO since your doctor might not be part of a HMO (PPOs usually don’t require you to have a primary care physician). \n\nLast year, Consumer Reports conducted a national reader survey of about 35,000 people and asked them about how they liked their health insurance and quality of health care (click here). Sixty-four percent said they were happy with their health plan. People were generally happier with HMOs than PPOs, but the Consumer Reports writers said that this was probably more a function of the lower prices. As a group, more PPO members felt they had adequate access to health care than HMO members. As I mentioned before, though, the rate of billing errors was three times higher among PPO members than HMO members.\n\nKaiser of course has a major presence in California, and Blue Cross Blue Shield is also a popular choice among Californians (they had by far the most PPO plans in the top 10 of the CR survey). You might want to write down all your concerns and then rank them in order of importance. It’s simple, I know, but I’ve always found it a useful way to make a tough choice.\n\nIf you’re still looking for answers, visit MostChoice.com. It’s a Web site that makes finding health insurance answers easy and makes shopping for health insurance quick and painless. You’ll be able to view online quotes from California health plans, and local area insurance agents will help you compare a range of competing health plans from companies like BCBS. There’s no cost or obligation to you, and your personal information is used only to match you with local health plans and insurance agents. You can find it here: http://www.mostchoice.com/health-insurance.cfm.\n\nBarnes@MostChoice.com
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
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.
1045869
I'm sorry to hear your situation but you do have options. You can compare quotes from InsureMe. They offer you several quotes and accept many medical conditions.\n\nYou can also look into life insurance with no medical exam required. This may cost a little more, but you get quick approval, if qualified. There's no exam, no agent to deal with, and no delays. Try out quotes from both options. And good luck with getting your coverage placed at a reasonable rate. Take care.\n\nhttp://www.term-life-online.com
755206
There are options to you such as a state Medi-Aid plan for low income earners.  (Contact social services in your area). \nMost plans cover pregnancy, but are not always inexpensive.  Rates vary by state, so I'd suggest searching the web for "medical insurance (insert state name)"\nAre you a student?  If so, contact your school/college as they also have affordable insurance plans available.
1031508
I’d check out Consumer Reports (link below), America’s Health Plans (link below), and whatever other informational resources you can find. I’d also talk with locally licensed health insurance agents. I’ve also included a couple of articles about choosing a health plan that might be useful. They are government-authored, but they’re actually pretty good.\n\nAffordable can mean what you can pay month-to-month or what can help shield you from a really expensive illness or medical procedure. For example, I’ve spent money on health insurance for over 10 years and have had only two non-routine doctor visits. My sister, on the other hand, has unfortunately had to use her insurance a lot. The bad news is that insurance prices are increasing and fewer and fewer employers are offering it to their workers. The good news is that you have a lot more options in health insurance than you used to. Just remember that the more you pay monthly, the less you’ll pay out-of-pocket before the insurance company picks up the bill. And, of course, the less you pay monthly, the more you’ll pay before the insurance company helps you out.\n\nTwo new plans aimed at twentysomethings are popular right now – but you don’t have to be in that age group to join. They are “Tonik” from Blue Cross Blue Shield and “Sound” from UniCare. They have low premiums and high deductibles, but they can also include dental and vision for a relatively low amount of money. Regular doctor visits are also included. In less than two years, Tonik has become the second most popular BCBS health plan in California. The only problem is that they are not available nationwide yet.\n\nYou should try visiting MostChoice.com. It’s a Web site that helps you shop for health insurance. They have free instant price quotes and policy information on health plans near you, but their specialty is getting you in touch with state-licensed agents. There’s no cost or obligation to buy insurance. You just fill out a short form and wait for the agents to contact you (within 48 hours). Have your questions ready and let them work until one of them delivers the plan that’s right for you. You might want to have a set amount you want to spend each month on insurance and tell the agents to work within those parameters.\n\nYou can find MostChoice here: http://www.mostchoice.com/health-insurance.cfm\n\nHope this helps,\n\nBarnes @ MostChoice
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.
105758
it totally depends on your insurance.  if you have a prescription co-pay, you'll pay top level (for brand-namers, there's no generic).  Mine is $20/month.  Otherwise, if you've got no ins., give your local free clinic a call and ask what they have available.  I live in WI and we have pretty good programs, but it usually varies by state.
94108
Different companies charge different amounts. It will also depend on how your health is, if you smoke, if you are over weight, etc. Start calling insurance agencies and ask for quotes. That is the only way to know who is going to be the cheapest.
512865
Do a yahoo search for Health Insurance and Click on some of the banner ads. If the company seems professional fill out the form. You will soon have many agents calling you to sell you insurance. Keep in mind that most sites you visit do not sell insurance...they sell your name to agents. Many of these agents are very experienced and can help you find the best value. The best valu may not always be the cheapest. To get the plan to be more affordable get a higher deductible. Most plans I sell are $1,000 or $2,500 ded plans.
707438
It depends on what you mean by cheap. That is, cheap 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. The first step in finding affordable health insurance is finding out exactly what you want from a health plan.\n\nBasically, health 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\nKaiser of course has a major presence in California, and Blue Cross Blue Shield is also a popular choice among Californians (they had by far the most PPO plans in the top 10 of the CR survey). You might want to write down all your concerns and then rank them in order of importance. It’s simple, I know, but I’ve always found it a useful way to make a tough choice.\n\nYou might also want to check out Consumers Reports and US News&World Reports Rankings to get some opinions about high-quality health plans (link below). I’ve also linked to a couple of online articles that do a good job of explaining health insurance and what to look for in a new health plan. The last link in the Source section is to the California Department of Insurance page on Health Issues: it has some good information on the rate of customer complaints for insurance companies and has tools to help you find out which health plan might be right for you.\n\nTo get a lot of information quickly, try getting in touch with local insurance agents through MostChoice.com. 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,\nBarnes@MostChoice
986709
Contact your local or state dental association and and see if there are any dentists who provide free or reduced cost care for low-income, disabled or senior patients.\n\nCall your local health department and ask about health centers that provide dental care for free or on a sliding scale.\n\nYour local United Way may also be aware of such a clinic.  In some areas, you can reach them now by dialing 2-1-1 for "non-emergency information."\n\nGo to a dental school, if there is one near you, for reduced costs.\n\nCheck http://www.toothwoman.net to see if low-cost or free dental services are available near you.\n\nCheck http://bphc.hrsa.gov and choose "Find a Health Center" to see if there is a low-cost clinic near you.\n\nCheck http://www.nfdh.org/DDS.html to see if your state has a "Donated Dental Services" program.  D.D.S. is designed to locate dentists who will give free care to patients who are financially compromised due to medical problems.  This is a process that will take a couple of months to get your information and then arrange for someone to see you.  Not all states have D.D.S. programs.\n\nIf worse comes to worse, check out http://www.prosper.com and see if you can find a funding source.