Low Cost Health Insurance

Cheapest Low Cost Health Insurance Plans


 

So that you can safeguard as well as maintain an individual’s well being, low cost health insurance is definitely required. Because of the raising expenses associated with physician’s specialist service fees not to mention emergency room costs, there has to be the best  health insurance accessible to help everybody. United states authorities research demonstrate that in excess of forty five million Us residents don’t have low cost health insurance. Health care charges happen to be swiftly and even frequently intensifying and a lot of men and women are not able to even manage essential insurance coverage.
I’m sure you will agree it goes without saying that when you are shopping for a cheap or low cost health insurance option you want to make sure that you do not sign up for a plan with limited benefits.
Some strategies for obtaining a low-cost health insurance plan are as follows:
If you smoke: Stop smoking. Bear with me I know that to stop smoking is probably one of the hardest things you will ever do in life. However, if you can stop smoking after 12 months you would qualify for non-smoker rates. This alone would save you 20 to 50%, off your health insurance premiums every single month.
If you take brand-name medications: Check out some generic equivalents. If you can switch to generic medications vs brand drugs, you will be able to find a lower health insurance premium by as much as 20 to 30% less.
If you’re overweight: Work on dropping your weight, it’s not only incredibly important for your health and lifestyle, but you will be able to save hundreds if not thousands of dollars every year on your health insurance premiums.
Low Cost Health Insurance

Now for you risk takers out there.
Here are some ways you can lower your health insurance premiums, however you must consult a health insurance agent before making these changes so that you completely understand how they would affect you:
Switch to generic only drug coverage. While this is certainly not recommended, after all prescription drugs account for anywhere from 25 to 50% of all health insurance claims.
On HumanaOne HSA plans if you go with discount or generic only drug coverage you will save about 10% on your monthly premiums. Certainly not worth it in the big scheme of things.
UnitedHealthOne’s Copay Select low cost health insurance plan has an option for discount or generic only drug coverage, which would save you 15 to 20%. While that’s certainly a better savings. Then Humana was discount or generic only drug coverage. We feel it’s still not worth the risk.
Hospital Surgical Plans. These cheap health plans have been around for decades, some people refer to them as catastrophic plans. Since most folks consider a catastrophic illness a major hospitalization or surgery. This type of low-cost health insurance policy only cover you for hospitalizations and surgeries and expenses directly relating to those costs.
Medications, Follow-up Specialists visits, outpatient lap testing bloodwork x-rays would not be covered on something like a heart attack-stroke once you are released the hospital.

Low cost health insurance carriers

Want to know which cheap health insurance company has the lowest cost plans? Read Below:
UnitedHealthOne:
United’s Copay Select and Saver 80 Hospital Surgical plan are the most affordable plans that
UnitedHealthOne which also goes by the name GoldenRule has to offer individuals and familes
shopping for free health insurance quotes online.
HumanaOne:
HumanaOne cheapest plans are the Copay 70 and Value Plan, they are just a new twist on their
old plan designs- Autograph Share 80 and the old Monogram plan that Humana used to offer.
The great thing about cheap Humana insurance plans is that even though they are low cost,
you’re not going light on benefits, pretty solid plans.
Cigna:
Cigna’s Value Plans offer a lower price point because of added out of pocket costs for hospital stays.
Aetna:
It’s tough to find an area where Aetna is competitive, you’ll probably end up over paying
for an Aetna health insurance plan.
They do also offer a value plan line up, that has limited benefits for doctor visits and medications in
exchange for a cheap insurance rate.
Just make sure you compare any value plan from Aetna to a full coverage plan so you know exactly what you
may be giving up and then you can decide if it’s right for you!
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