Find Affordable Health Insurance
July 13, 2009If you are self-employed, never had health insurance or recently laid off you cannot afford to not have major medical insurance. Why? Because today’s leading cause for financial ruin and filing for bankruptcy is the inability to pay medical bills. By purchasing a major medical policy you are able to implement a cap on your out of pocket expenses, and have the support of a large organization to subsidize the majority of your medical expenses. To give you an idea of what a burden medical bills and can be, a 3 day stay in a hospital can run upwards of $28,000.
So the question is where are you able to find quality health insurance coverage if you are ineligible for an employer sponsored plan? Today, the web is a valuable resource for finding affordable health insurance options in your area. However, when you begin looking for a plan it is important to shop around for all options. Do not limit yourself to going to a single carrier’s website as it is very likely they may not have the most competitive rate in your area. It is best to use some sort of exchange or quote engine to observe all possible options in your area. This is one of the benefits of using MyInsuranceExpert.com to find affordable health insurance. We function as an exchange, and have no vested interest in one company; hence, we are always looking for the plan that best fits your personal needs.
In addition, when trying to find health insurance, make sure that you are signing up for “real” insurance and not a discount program. Discount health insurance policies are dangerous because they do not cap your out of pocket exposure; i.e., you could be paying 50% of a million dollars in medical claims. A dead giveaway for discount programs is membership fees before signing up. Any real insurance carrier will not make you pay a membership fee in order to qualify for their plan. Also, if it sounds too good to be true it probably is.
To find the most affordable health insurance plan in your area, visit us at MyInsuranceExpert.com, and speak with a free licensed advisor.
Posted in :health insurance | 3 Comments. »
R U SURE YOUR CHEAPER I HAVE BEEN LOOKING INTO A LOT OF INSURANCES SINCE MY COMPANY SHUT DOWN?
I have been using My Insurance Expert for three years…every year they shop all the top carriers and find the best priced plans for my family.
Rochelle,
No one is able to offer you a better price for a particular insurance plan. All prices are regulated by the state, so even if you go directly to the carrier’s website you will see the exact same price as displayed on ours. The difference really comes in the service you receive. Are the other insurance companies you are looking at “A” rated? That will make a difference when looking for insurance.