Health Insurance Options For The Unhealthy

By J. D Theis

In an ideal world, you could just walk up to any company and get health insurance done and never be worried whether or not you are going to get rejected. However, we dont live in an ideal world and the reality is that not everyone who applies for health insurance is assured of getting it. Often times, people who opt for health insurance are rejected for some pretty ridiculous reasons. Due to the freedom bestowed on these companies, they have the right to reject anyone they feel like, even if it is for some absurd reason. You have no other option but to move on and approach some other company.

The problem with getting health insurance when you are not completely okay is that companies often look at you as a liability. Hence, they are little hesitant to provide coverage without first conducting a thorough analysis and determining whether you are worth the risk or not. In fact, many companies that have a lot of people as its patrons might not even look at your file and directly reject you when they get to know about any underlying symptom that you might have.

Dont be dejected if this happens to you because you are not alone. In fact, there are many people out there who want to get insured but may not have the means. If the only problem that is preventing you from getting health insurance is the fact that you have a previous condition, then you can try your luck at some other option. Instead of going to a company and opting for individual coverage, you can choose something else like HMO or PPO that can get the job done and is even light on your pocket.

There are a lot more options as well that you can still choose from. You can even make claims from the social security office and have your name enrolled on a special coverage. Since many people with existing conditions are turned away by private insurance companies, they have little else left but to go to the government if they are not financially well off.

The coverage that you get by this method may not be all that great, but it is at least better than not having any sort of coverage itself. You can stick by this policy till you can work out something better and have another option where you get better coverage and at a price that is within your reach. - 23211

About the Author:

If you are having trouble choosing the right type of medical insurance, then, log on to Insurancecaredirect. Here you will find information on all aspects of health insurance including low cost health insurance options.

Significance Of Individual Insurance

By J. D Theis

In America, insurance has long been something that is offered to individuals who are employed and are least worried about what their insurance is going to offer them or how it is going to help them. However, things have changed with the recent recession that has resulted in many people losing their jobs and consequently, their insurance options along with it. Hence, it has become important to cater to these people who dont have anywhere else to go.

Insurance companies are unhappy because with ever lay off, they are losing the opportunity to provide coverage for one extra person, which is a loss of revenue for them. Hence, they need to counter for this loss by creating alternate options.

Thus, there has been a boom in the individual insurance market due to this reason. Many people are opting to go in for alternate options that include getting insurance independently and ensuring that they are covered in case of some medical emergency. Almost all big insurance companies offer individuals packages nowadays that enable people to opt for insurance even if they dont have a job. Thanks to individual insurance, people are now finding it less complicated to get insurance on their own, without the need to be employed as such.

Another reason that one would opt for individual insurance includes are if their coverage at work is inadequate and not meeting all expenses. Many times, people who are working in smaller firms are stuck with policies that do not provide adequate amounts of money when you need it and hence, might make you spend a lot out of your pocket when the time for claim arrives. These kind of under insured policies are not uncommon and are often used to save money for the firm and just barely make it through the specified stipulation. In this case, you are better off with insurance of your own.

When you do decide to opt in for individual insurance, keep in mind that you might not always get what you pay for. Sometimes, you might be stuck with a policy that is easy on the pocket but does not provide adequate coverage. Thus, make sure that you are not stuck with one of these policies and ensure that you do the right thing and opt for something that is cost effective and also useful at the same time. There is no point in opting for something extremely expensive and then regretting that you ever did so when you end up never using it. - 23211

About the Author:

Insurancecaredirect is the website that is designed to answer all your questions relating to individual insurance. You will also be able to get good health insurance quotes from which you can choose.

Open Enrollment Health Insurance: Things To Consider

By Bart Icles

Perhaps the most crucial period that you will ever have yearly during your employment in any given company is during open enrollment health insurance time. With the rising costs of everything nowadays and the stagnant salaries, it is very important for everyone to have health insurance. Health is wealth, they say, and there is a lot of truth in this. No amount of money can ever compete with having a healthy body, and if one is not healthy, it is very expensive to have medical needs. For people who are employed and have health insurance as one of their benefits, it saves them the headache of looking for money or of having to get a substantial amount in their savings and just a lot them to medical bills and other related expenses. Given these facts, it is very important that the right type of health insurance with the best possible medical coverage is picked during open enrollment period.

Open enrollment health insurance is a period that usually occurs yearly for companies big and small alike. It is a period wherein employees are given the chance to renew their health insurance coverage, to change their coverage to a better one, and to enroll dependents when necessary and when applicable. It is very important that during this period, the best coverage is chosen so that when the time comes that an employee or any of his dependents would need medical assistance, there would not be a lot of hassle, especially when It comes to paying the bills.

For you to be able to do choose the right health insurance coverage during open enrollment period, the following things should be considered:

1. You should decide the types of medical services you and your dependents, if you have any, will be needing. Make sure that you take into consideration present medical conditions that you and your dependents might have and also, what types of services you would wish to avail of, like mammograms, ECGs, ultrasound, CAT Scans, etc.

2. Check if you can choose your own doctors. Most of the time, you would feel more comfortable with your family physician and his or her recommended specialists than going with a new one.

3. Make sure that you use your insurance wisely. Make sure that you balance your allotted amount for the year to ensure that you get optimum coverage.

4. The quality of the customer service of the health insurance provider is very important and should also be taken into consideration.

To be able to make sure that you make an informed and wise decision, work with your employer's human resource department so that you will be made aware of your options. Making sure that you choose the right coverage during open enrollment health insurance is always crucial. - 23211

About the Author:

Open enrollment health insurance is one option everyone should consider when looking at insurance. Open enrollment insurance can help to avoid a lot of insurance struggles with in families or businesses. It is worth looking into.

Healthcare Insurance: Steps To Attract The Best Rates

By Chimezirim Gabriel Odimba

It's really very easy for you to find adequate coverage for a lot less. You just need the right tips and the discipline to practice what you'll learn to get a cheaper rate. Let's get into the steps you need to get cheaper rates...

1. Stop smoking if you desire cheaper health insurance. It's a sure fact that smokers are prone to many health conditions and that they also die young.

It costs health insurance companies a lot more to provide health insurance to smokers on account of their high risk. Once you stop smoking for about 12 months tell your present insurer or reapply to another insurer and you will see a considerable slash in your rates.

Individual Health Insurance Quote Online

2. You can attract higher premiums just because your occupation exposes you to much hazards. You can reduce your rates if you change to another line of duty that doesn't expose you to hazards. A person who works in a nuclear plant can't attract similar rates with a clerk in the neighborhood supermarket.

3. You can lower your costs by joining an HMO. They are generally more affordable than buying traditional health insurance. Just bear in mind that with the cheaper cost also come restrictions in the hospitals and medical professionals you can use.

If what you think you compromise in the limited choices an HMO gives is much more than what you gain, you can still buy traditional health insurance.

For such people, cost can be lowered if they take the time out to shop extensively for affordable rates in traditional health insurance. This is a sure-fire way to pay cheaper rates while enjoying a traditional health insurance plan.

But if reducing cost is priority, then settle for an HMO as it's normally more affordable than traditional health insurance.

4. Being on the same policy will save you a lot once you're married. Even though this is true, it's not absolutely the case. So consider your options to be sure which is in your best interest.

However, this might not be the best for you depending on your peculiar health conditions as individuals.

5. Stop drinking if you want cheaper rates. Drinking adds to your health risk.

Many ailments are made more likely by taking alcohol.

What quantity of alcohol is ok for you? I cannot advise you on that since I'm not specialized on such issues.

But here's what I'm sure of: Quitting alcohol in its totality will do you a world of good. If you can't stay away totally, drink in moderation if you want to reduce your risk to insurers.

But I am told it's harder to drink in moderation than it is to stay away completely. There are organizations that are out to help alcoholics quit drinking. Just ask about them. - 23211

About the Author:

To start saving much more go to Online Health Insurance Quote and Affordable Health Insurance NY. Chimezirim Odimba is a financial expert.

What Would Happen If You Miss Health Insurance Open Enrollment?

By Bart Icles

You should never miss your health insurance open enrollment period, especially if you have a lot of reasons why you need a health insurance. If you miss it, then you would need to wait for another year for you to change your health plan, otherwise, you will just end up being stuck to your previous year's health plan even though you need to make changes to it, especially if you need to add additional dependents or if you need to change your health plan due to additional medical services and care that you need.

What is health insurance open enrollment period? For companies big and small alike, health insurance open enrollment period is done once a year. It is the time wherein employees are given a chance to make alterations to their existing health insurance coverage and, at the same time, add dependents to it depending on their current status. The Human Resources Department of the company is the one taking care of looking for the health insurance provider, disseminating the information about the different options to ensure that employees make a well-informed decision when choosing their plans, and, at the same time, take charge of making sure that all employees are able to make the necessary changes in their plans, if there are any.

For you to be able to have the proper guidance during health insurance open enrollment period, you should be able to do the following:

1. Be aware of all the announcements made by your employer's human resources department about it. It is always very important to be up to date about things in the office, especially if it has something to do with updates on your benefits.

2. Attend the briefing about the health insurance options that you can choose from. Normally, companies would conduct a seminar about it with a representative from the health care company to make sure that all the queries among the employees are answered properly to help them make better and smarter decisions with regards to which health plan to choose.


3. Make sure that when you are given a deadline in submitting pertinent documents and filling out forms that you meet the deadline at all times. Not doing so might compromise your enrollment, especially if you are planning to take advantage of a different plant than the one that you previously had.

The rising cost of health care makes it a necessity for everyone to have a job that offers health insurance as one of their benefits. This would enable them to have some sort of peace of mind amidst the financial crisis that most of them are experiencing. You should always be diligent and smart during health insurance open enrollment period. - 23211

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open enrollment for health insurance is one option everyone should consider when looking at insurance. An insurance enrollment form can help to avoid a lot of insurance struggles with in families or businesses. It is worth looking into.