When seeking medical care insurance, people often reduce their choices and look at only one type of medical assurance. You might be able to purchase health care insurance through your former company, directly from your assurance company as a self employed person, directly from your insurance company as an individual or from the government. Each of these options is the most advantageous for somebody. Only one is the most favorable for you.
If you worked for an employer with twenty or more employees in the last 60 days you probably have the right to keep your employer-sponsored medical care assurance policy for 18 months or more. Depending on the state you live in, you may have a similar right even if your employer is smaller. You might want to check with your state's insurance department to see what your rights are.
If choose to continue your employer-sponsored health care insurance policy, you will have to pay for it and may have to pay a small administrative fee as well.
The best thing about this option is that your medical status cannot keep you from qualifying. The worst thing is that it may be more highly-priced than other options. Be aware that it is temporary coverage.
Buying medical care assurance directly from an insurance company is often the best option. Often the same insurance company that covered you as an employee will be willing to offer you an insurance policy directly. These policies are often very similar and will often use the same network of hospitals.
However, sometimes the policies offered to individuals are inferior to the group insurance policies offered by the same company. Also the networks may not be equal. It pays to do your research.
If you are self-employed you may be able to get a group insurance policy. In many states a one man or one woman company can qualify as a group. However, these policies are often more costly than the policies offered to individuals. If, however, you do not qualify medically for an individual policy, a group policy may be your best option.
You may also be able to obtain coverage through the federal government or through your state government. Many of these programs will only be available to you if you have a low income and/or assets. Other programs may be available to you if your medical history keeps you from getting coverage.
Medicare is probably available to you if you are over sixty-five years old. Medicare offers good coverage, but you may want to improve your coverage by getting a Medicare Supplement or by purchasing a comprehensive policy instead of using Medicare.
The most critical thing you should take away from this article is that medical insurance is available from different types of entities. When researching medical insurance, you should look in more than one place. Health Care assurance is available from private insurers and government agencies. In order to keep your premiums lower, you should compare prices and the network and the benefits from all the plans available in your area.
If you worked for an employer with twenty or more employees in the last 60 days you probably have the right to keep your employer-sponsored medical care assurance policy for 18 months or more. Depending on the state you live in, you may have a similar right even if your employer is smaller. You might want to check with your state's insurance department to see what your rights are.
If choose to continue your employer-sponsored health care insurance policy, you will have to pay for it and may have to pay a small administrative fee as well.
The best thing about this option is that your medical status cannot keep you from qualifying. The worst thing is that it may be more highly-priced than other options. Be aware that it is temporary coverage.
Buying medical care assurance directly from an insurance company is often the best option. Often the same insurance company that covered you as an employee will be willing to offer you an insurance policy directly. These policies are often very similar and will often use the same network of hospitals.
However, sometimes the policies offered to individuals are inferior to the group insurance policies offered by the same company. Also the networks may not be equal. It pays to do your research.
If you are self-employed you may be able to get a group insurance policy. In many states a one man or one woman company can qualify as a group. However, these policies are often more costly than the policies offered to individuals. If, however, you do not qualify medically for an individual policy, a group policy may be your best option.
You may also be able to obtain coverage through the federal government or through your state government. Many of these programs will only be available to you if you have a low income and/or assets. Other programs may be available to you if your medical history keeps you from getting coverage.
Medicare is probably available to you if you are over sixty-five years old. Medicare offers good coverage, but you may want to improve your coverage by getting a Medicare Supplement or by purchasing a comprehensive policy instead of using Medicare.
The most critical thing you should take away from this article is that medical insurance is available from different types of entities. When researching medical insurance, you should look in more than one place. Health Care assurance is available from private insurers and government agencies. In order to keep your premiums lower, you should compare prices and the network and the benefits from all the plans available in your area.
SHARE
