• Ron@InsureMe

    Cheap health insurance—everyone wants it, but not many people know how to find it. Paying an affordable insurance premium and getting the kind of insurance coverage you need would be great, wouldn’t it? Of course it would—but how do you find cheap insurance?

    When looking for cheap health insurance, don’t forget the old saying "you get what you pay for." This is particularly true when it comes to indemnity plans. An indemnity plan is a traditional health insurance plan that requires you to pay coinsurance amounts and certain deductibles. The coinsurance amounts and deductible levels can be modified by an insurance agent to fit your particular budget. However, the coverage this plan provides may be low-quality, especially concerning hospitalization. Indemnity plans can be very beneficial, but it is important to understand how the plan works and what it covers. Some consumers find a low-risk indemnity plan is one way to find cheap health insurance.

    Hospitalization or catastrophic health insurance plans also can provide cheap health insurance. These types of plans focus on coverage that will protect you in case of some sort of major, life-changing event, such as a bad accident or major illness. These types of plans usually do not cover any type of preventative care, such as doctors’ visits. Some individuals who have rare doctors’ visits can create a suitable health plan by combining a hospitalization or catastrophic plan along with a medical discount card. As always, make sure you understand your coverage limitations when you sign up for this kind of medical plan.

    As mentioned, medical discount cards can be useful in conjunction with other coverage. A medical discount card however is not a health insurance plan. It is actually nothing like health insurance. What it will do is save you a fixed amount, or a percentage of the cost, of a particular procedure or a visit with a participating physician. In the case of a catastrophic illness or injury, a medical discount card may save you a percentage of your medical bill but most likely, your out-of-pocket expenses will be enormous. Beware of medical discount salespeople who misrepresent medical discount cards as an alternative to a good health insurance policy.

    Health insurance is best found by investing time, educating yourself and comparison shopping. InsureMe is designed to be an invaluable resource for insurance shoppers like you in this process. Fill out our easy form, and you can get up to five insurance quotes from insurance agents who can help you make the best decision regarding your insurance. Once again, shop around, get multiple quotes, and learn all you can about a policy before you buy cheap health insurance.

    To visit InsureMe go to: http://www.insureme.com/landing.aspx?Refby=614504&Type=health
    Take care – Ron.

  • Blue Cross Blue Shield is the best.
    You can also get a quote with State Farm Insurance and see if they beat BC/BS.

  • Hadley

    The best health insurance is one that provides you with the coverage you need at an affordable price that fits your budget.

    One way of finding the best health insurance is to compare plans online through a respected health insurance quote provider.

    That way you can look at multiple plans and premium quotes and learn about the differences with the plans in coverage and cost.

    Remember to look at the exclusions, the Co-Pay (Your out-of-pocket cost per claim) and any pre-existing exclusions that apply to your policy.

    Health insurance premiums are filed with and regulated by your state’s Department of Insurance. Whether you buy from your local agent, or directly from the health insurance company, you’ll pay the same monthly premium for the same plan.

    Two highly respected health insurance quote providers are:

    1) InsureMe – they give you the five best health insurance quotes from top-rated health insurers nationwide – http://www.insureme.com/landing.aspx?Refby=613598&Type=health InsureMe has been offering insurance quotes online since 1993, and have helped millions of consumers shop for their insurance online.

    2) eHealthinsurance.com offers you side-by-side quote comparisons from a large network of health insurers across the country.

    I hope that helps you find the best health insurance for your needs.

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