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Thursday, July 30, 2009

Affordable Health Insurance

By Charlie Fleming

There are many different types of health insurance. One of them is called fee-for-service and is arguably one of the most versatile insurance plans on the market. This report explains what some of the advantages and disadvantages are.

The problem with pre-existing conditions is that they are costly for the health care system. In order for the entire health care system to work, most individuals need to pay more than they would use in their lifetime. People with pre-existing conditions would be using funds before they ever paid into the system.

One of the most popular health insurance carriers is blue cross blue shield. The company originated in Illinois. Now they have thirty-nine association insurance carriers across the nation.

WIC is a great program because it is designed to provide assistance to pregnant women and newborns. They provide milk and food; but not health care coverage. However, they do offer referral programs for health insurance.

Blue Cross Blue Shield is a great carrier to go with if you own your own business or your company does not offer insurance. They offer a flexible spending account for their members. This an automatic withdrawal from your paycheck and it goes directly to your premium.

That is why you need to maintain constant coverage. If you are waiting for insurance from work then buy some temporary insurance. If you are ever injured during a time of non-coverage, it could be up to a year before you can afford surgery.

Humana makes sure they offer health insurance for as many people as possible. They offer plans for governmental workers, senior citizens, families and individuals. They also work with providing healthcare to the military.

Maternity Advantage can help you handle financial hardship. They help lower medical costs and have affordable payments and support. This can assist you greatly.

If you have a pre-existing and you are shopping for insurance, make sure you ask about the pre-existing condition clause. See how long or how much they can give you for the operation. It might be enough to get you the surgery.

Health insurance can be costly. That is why you should estimate how much health care you will need. Some insurance companies have a cost calculator. You might have to do research and talk to a sales man as well.

As an expecting family, you will want to have health coverage. Over the next nine and a half months, you will be seeing the doctor a lot. If you do not have coverage, then you will need support because the bills will begin to add up. - 23211

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