The cost of health insurance varies depending on your benefits and your situation. If you get an insurance plan through your employer, your employer will usually pay for the entire cost of your medical benefits. This is the best way to get coverage and how the American health care system is set up. The employers get a tax break and everyone employed gets coverage regardless of their health history. Sometimes small employers will only pay a portion of the monthly premium. But they will always be required to pay a portion of the employees insurance premium. They may pay for coverage for the entire family. However, they may offer to the entire family without paying for the costs of the insurance. Sometimes adding dependents can be as much as 200 - 400 dollars per dependent. If you have health issues, this is probably going to be the best option. However if your spouse and children are healthy, you may be able to find a less expensive plan on the individual and family insurance market.
The individual and family health insurance market is for people who don't get insurance through an employer. This market is currently underwritten so if you have health conditions, you may not be eligible for coverage at any price in this market. There are government high risk pools that are available for people who might fall through the cracks in the system. The individual and family medical insurance plans are typically 100 - 300 dollars each month depending on age and benefits. The older you get the more expensive it is. The more benefits you get the more expensive it is too. High Risk Pools for people who do not qualify for individual and family medical insurance plans are typically capped at 200% of what the price of insurance for a healthy individual would cost. If you qualify this is a good option.
If you want the most affordable type of plan you will need to eliminate some of the benefits such as co payments for prescriptions and doctor visits. Short term health insurance plans are the most affordable medical plans because all new illnesses or injuries are covered subject to a deductible and co insurance. You have to qualify but there is a brief medical history survey. Generally you have to answer yes or no to a health question. If you answer that you do not have the health issues then you automatically get cards for coverage as early as midnight. The best plan for you depends on your situation. If you have questions, research online or call a local insurance agent.
Will More Tennessee Health Insurance Access Lead To Delayed Treatment? Small Business Challenge: What Does Health Care Reform Require? What Are The HIPAA Regulations For Patients HIPAA Certificate Of Creditable Coverage
0 comments:
Post a Comment