We live in very challenging and uncertain times, we cannot control the circumstances that surround us, and the events that unfold at any given minute are always a mystery, be it unexplained disease, accidents, fire or so many others. Disability is always a possibility and from here what next.The world is full of diseases; be it the air we breath, the environment we live in , the food we eat, and even the water we drink. Don’t be surprised to wake up one day and discover that the recurrent thirst you have battled with seriously for months is diagnosed as diabetes. No one likes the discomfort and misery caused by diseases. It is therefore imperative that you take the necessary measures to ensure that a disease occurrence doesn’t get the best of you and this is where health insurance comes into focus. There are many companies that provide free health care quotes and are always willing to help and assist you get the best possible health insurance quotes.Having a free health insurance quote is truly advantageous because it allows you to easily choose which plans or policies best suits your individual needs, you may be making a good salary from your current job that adequately caters to your domestic budget and other miscellaneous needs including leisure, but imagine the case where you suddenly become seriously ill and is bedridden, then when taken to the hospital, the doctor administers a number of diagnostic tests and examinations that cost a staggering amount, not to forget the expensive price of prescriptions. As you recuperate and is discharged from the hospital, the expenses continue to mount.You are likely you be put on costly medications that come with follow up orders on usage in regular basis plus the unending examinations to assess your progress. How may you be able to afford all cost of medication while at the same time maintaining the same quality of life for your family. You’ll admit it’s a real task. That’s why you ought to seriously consider getting a free health insurance quote straight away.It’s therefore important that you learn what you are looking for beforehand, prior to looking for unpaid health insurance quotes. Don’t forget to consider your family too in your search for free health insurance quotes. The repayment duration is also worth your attention in free health insurance quotes. Some health insurance providers offer a couple of years for repayment while some extent it till the demise of the insured.These free health insurance quotations may also include a payment mode provided by the company so as to enable you decide if you are able to pay for that particular plan offered. Try to find out if the free health insurance quotation being offered allows you to use the services of your personal doctor and hospital of choice or is restricted to their network of health care providers.You can also find free health insurance quotes that offer the choice of group based health insurance. These are quite different from individual based health insurance quotes because they offer the advantage of a group based insurance as opposed to individual, this means they are not customized and each enrolled member in the group receives similar benefits. This group structured health insurance quotes is therefore less costly and doesn’t involve extensive screening. Customized free health insurance quotations usually state that an applicant has to undergo broad medical screening. If you settle for this type of free health insurance quotes, the company may require a detailed medical background check, and may possibly focus at your past illness present or imagined.Free health quotations should therefore allow you to relax, because you have sufficient time to get the best health insurance.
You have probably heard about Coventry Insurance, but have most likely not heard about Assurant Insurance. Both of these are discounted health insurance companies that provide group health insurance, mostly to individuals who do not get insurance through work. Coventry insurance, however, is being used by some companies that want to get their employees insurance coverage.Eligibility Pre-conditionsAssurant Insurance is a group insurance option that anyone who wants health insurance can join. You have no medical checkups for this coverage, but you do have to answer a series of health care questions. If you have pre-existing conditions, you will find that you may not be eligible for health insurance coverage with Assurant. Pre-existing conditions are any conditions that you had that may be recurrent.Coventry also excludes those who have pre-existing health conditions from getting health insurance with them. In this case, you will also have to fill out a questionnaire to see if you have any health concerns and they will do a background check on your medical conditions. If you have been treated recently for an ongoing health concern, this will be excluded from coverage. Whereas Assurant Insurance is more likely to just turn you down for having a pre-existing conditions, Coventry will give you the option of getting healthcare but not being able to get the health care coverage for the pre-existing condition.Higher Premium v/s Wider Acceptability When it comes to the premiums that you will have to pay for both of these insurance companies, you can expect to pay a bit more for premiums when you get Coventry coverage over Assurant Insurance. On the other hand, Coventry coverage is accepted at far more places than Assurant Insurance, which is relatively a new insurance company. Before you decide to get either of these insurances as your health care insurance, you should make sure that your doctor or health care provider will cover you if you have this type of coverage.More places will accept Coventry than Assurance Insurance. This is one of the reasons why many people choose to have the former as their health care provider. However, an increasing number of health care providers and doctors are accepting Assurance. Also, it is important to remember that if you are looking for catastrophe health insurance coverage, such as that which you would need if you fell ill and were hospitalized, then you can do just as well with Assurance Insurance as they are recognized by most major hospitals and clinics.You can get an HMO coverage for a lot less than you imagine when you look into health insurance coverage from Coventry or Assurance. Both of them offer the individual who may not have health insurance coverage from work a chance to get group health insurance on an individual basis and get their medical needs covered. Both Assurance and Coventry coverage also have prescription plans available for those who need medications and give a substantial discount on medications, although you do have to use an approved pharmacy before you can get the prescriptions filled at a discount.
Despite the struggling economy, and the rising costs of health care, there are still plenty of options for procuring affordable health insurance for individuals and families. Many medical insurance providers are adjusting the coverage packages they offer to provide better, more affordable insurance to consumers.There has also been an increase in individuals taking out private insurance policies because many small businesses are no longer able to provide affordable health benefits to their employees. Rather than allow their families to go without coverage, many people are using free medical insurance quote services to find affordable alternatives. The increasing availability of medical insurance quotes has also had a direct relationship to more affordable health insurance options becoming available.If you are currently uninsured and trying to find medical insurance for yourself and/or your family, there are a number of options you can pursue:
Employee Benefits – See if your employer offers any kind of medical insurance plan and if you qualify for those benefits. If the plan is too basic and doesn’t cover all of your needs, you can always add supplemental coverage to ensure that you have the proper coverage.
COBRA – If you’ve been laid off and are unsure what to do as far as medical insurance goes now that you no longer have your employee benefits, COBRA insurance is one option. COBRA insurance continues the insurance you received through your employer for up to 18 months after the loss of your job. It is more expensive than what you paid as an employee, but it will keep you and your family covered while you find a more affordable insurance solution.
Private Health Insurance – Not all private medical plans are expensive. In fact, there are more and more affordable health insurance options becoming available. To learn more about private medical insurance costs and coverage, go online and get a health insurance quote. There are a number of free insurance quote resources available online. These quote providing services will use your information, such as how many people are in your family or your current occupation, and provide you with accurate, real-time quotes from all of the available insurance providers in your state. The creation of these side-by-side comparison services has significantly helped consumers find more affordable health insurance policies.
Medicaid – Medicaid is a government-subsidized insurance solution for people that cannot afford health insurance due to serious financial difficulties. Not everyone qualifies for Medicaid, and some families use Medicaid in conjunction with other medical insurance policies. If you feel that you cannot afford health insurance for your family on your own, you will need to fill out the Medicaid application forms and mail them in.
With all of the different options available, medical insurance should be attainable for every American. It may take some research and persistence, but there are lots of services available to help answer your questions. If you’re considering changing plans, or are in need of insurance, start by talking to your employer about benefits and getting a free health insurance quote online.