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An affordable health insurance plan does two things: it fits both your budget and your actual health care needs. Essentially, if a plan does not adequately cover the health care needs you have, you will end up spending much more on the additional expenses you have to cover yourself. At the end of the day, your total health care spending will be much more than it needs to be.
Quotes on Good Plans
What sets one quote apart from another? Health insurance quotes differ from one another in a variety of ways. Price, coverage, plans, networks and providers are all different from one company to another. For this reason, it is important to take the time to compare different quotes you get on not only price, but the actual plans and its details before committing to it.
While price is the easiest thing to compare when looking at health insurance quotes, it can be quite complicated as you need to look carefully at the differences between plans.
While health insurance plans are basically similar, the things that each company offers to set their plans apart can make a big difference when it comes to choosing the right coverage for you.
Even where providers are located for each company impacts your cost for healthcare. If you need to drive 100 miles to see a doctor instead of 20 miles, it will cost you more money in the long run.
The health insurance company itself is a significant factor that sets one health insurance quote apart from another. There can be huge differences in how financially stable an insurer is, making your potential coverage more or less secure. Check out an insurance company’s finances before buying coverage by getting its independent insurance ratings.
Customer service is another area where companies differ. Know how the company you are considering treats customers. By doing an online search for reviews of the insurer, you will find a variety of first-person accounts from actual policyholders. The information revealed in such accounts is very important when comparing coverage.
Preexisting Conditions
What do I do if I am looking for affordable health insurance but have a preexisting condition? A preexisting condition makes a big difference to securing affordable health insurance. In fact, it will cause many health insurance companies to refuse to cover you or offer you plans that are extremely restrictive. Limitations and waiting periods abound when you actually get private health insurance despite a preexisting condition.
If you have recently lost a job with group health insurance coverage, and you have a preexisting condition, check out COBRA. It is a federal government program that allows for the continuation of coverage from a group plan after the termination of employment. How long you can remain on such coverage depends on the event that caused the termination of your coverage but ranges from 18 months to 36 months.
In terms of health insurance, where you live matters even more if you have a preexisting condition. Some states, but not all, offer a high risk pool for health insurance coverage.
This guarantees coverage to those with preexisting conditions. The Kaiser Family Foundation can provide you with information about the state you are in.
If you are lucky enough to live in one of the guaranteed issue states for health insurance, your options are more clear cut. Residents of Massachusetts, New Jersey, Vermont, New York and Maine must be accepted for health insurance by companies there, making them the most accessible places to find coverage.
Can’t Afford Coverage
Start now by getting your own customized health insurance quotes. Type your ZIP code into the FREE quote tool to begin!