How to Find Discount Health Care
A discount health plan isn’t as difficult to find as you thought. If you’re unemployed or your job doesn’t give you a good health discount plan then there are other ways to become insured. These 10 options will help you decide what kind of cheap health plan is for you.
1. The Consolidated Omnibus Budget Reconciliation Act (COBRA) may allow you to continue on the health insurance of your prior employer. This also applies to college students who want to continue using their parent’s medical health plans. If you are already undergoing medical treatment, however, it is important to determine whether your new coverage will accept the treatment under the umbrella of its plan.
2. If you have a work related injury, a worker’s compensation plan should pay for your treatment and grant you other compensatory sums.
3. Medicaid is for low income people. Although regulations are state specific, checking for Medicaid eligibility can allow you to have a cheap health plan for you and your family. With health care reform passed, you may be eligible today even if you weren’t last year.
4. Medicare is a part of social security. You qualify if you’re sixty five or older.
5. If you have a pre-existing condition, it may be even more difficult to get discount health care. Your state may offer a High Risk Health Insurance Pool, which may be a viable alternative to paying out of pocket for expensive health care. If you don’t qualify for COBRA, this option may be for you.
6. Individual and Family Health Insurance: Buying health insurance from an insurer may be more expensive than the other options listed above, but there certainly do exist medical health plans that won’t cost you an arm and a leg. Discount health insurance is a great way to save money. By choosing a low deductible, you will have a higher premium, but you will also pay less when you see a doctor or pay a trip to the hospital.
7. Short term health insurance is a good idea if you are in between jobs and need coverage over a few months. A discount health plan for a few months isn’t too difficult to find.
8. Certain groups offer membership health insurance. Rates are discounted and although, these groups don’t cover premiums, they can help you to save extra cash. If you aren’t a member of any group already, you can do some research and join one.
9. A group health expenses sharing plan can be formed between a group of friends or neighbors to cover each other’s health care. Many religious or professional groups also take this approach, but before joining one, make sure that it is reliable. The money you give is usually invested to gain interest, and used upon medical emergency.
10. Health insurance discount cards are a good way to take off the extra cash you spend on doctor visits. If you have a serious operation, these cards won’t help much since they aren’t health insurance, but for petty visits to the hospital, they may make life easier.
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Help answer the question about health plan
Will the Obama health plan be as good as the Cuban system ?Can a new system be created that offers better diversity and equality like the Cuban health plan ?
Because that would be more economical and involve less government and that snot what the most unethical congress is about! spend, and skim is their mantra
@pcsassy03 Well what do you expect? Shes just misdirected. Shes focused in the wrong direction, smart yeah.. But its in vain when misdirected.
@teknoguy2002 Yes, I agree, the people who have completely legitimate reasons for health care should have it, but just until they are back on their feet. We shouldn’t give it to people who just don’t try. We are heading in a direction that all health care will be controlled by the government. I don’t mind us helping one another for short periods of time but health care is a private business and the government should interfere as little as possible.
“everyone NOW has access to healthcare”, the emergency room; is like saying, if everyone has a gun, we don’t need government intervention and force a dept of military on us.
@dland95 Some people just can’t afford Health Insurance. Some people who CAN afford the insurance don’t get it, because even if they had it they can’t afford the copay. It’s not about who applies themselves, except in the case of extreme laziness, but I think that is actually rare.
Some people don’t get health insurance just because they don’t want to. Fine by me, but if something happens, there should be some guarantee to the healthcare system they go to for care that they will get paid.
Yes the best way to meet the needs of the US right now is to vote ALL Republicans out of office. Every last one of them. They have supported a failed international as well as domestic policy of the Bush empire and it has brought us to the brink of hyper inflation and deflation at the same time.
Oh and ashley What was it that Obama said was so bad or nasty?? Nothing could be as bad as the lies that Bush has told the country or the lost of over 4000 US lives in Iraq. Or the loss in value of the US dollar, or
The the horrendeous increases in medical insurance in the last three years OVER 200% for my personal insurance 10/05 $624, today $1398. This is greed at the corporate worst OH and by the way the CEO of United Health made $60,000,000 on the backs of the insured.
Better put you tarto cards away because you are not seeing the big picture AT ALL.
The thing is, people that are uninsured generally didn’t apply themselves. They never tried to make something of their lives and as a result didn’t make enough money to pay for insurance in case something happened to them. When something does happen, they come whining saying how they have never had a chance. They have always have had a chance and never took it. So now the productive, tax paying members of society have to pay for someone not feeling like applying themselves.
She has valid concerns, as do all the people opposing the bill. But the long and short of it is, Rep. Grayson had a very good point. If you get hit by a bus, and you don’t have insurance, you have to pay all the medical expenses. If you have a job it’s not a problem, but you could lose it as a result of the accident. Then even with a payment plan, you can’t afford to pay. The hospital system then ends up footing the bill. People need to be responsible for themselves, not leave it to chance.
very informative but what is your question?
yes i have done the research and you have omitted important parts that will raise it for middle class even more…
however i wish you luck.. honestly most of the people voting for obama believe the only thing Clinton ever did wrong was get a hummer in the oval office…
they believe the liberal alphabet networks and will not examine or listen to facts.
@dland95 (Sorry only needed like 40 more letters)
But for the most part, the uninsured aren’t that way by choice. And even then, they’ve been paying taxes just like everyone else.
@dland95 Charities are all well and good, but they jsut don’t end up helping everyone who needs it. Not by a long shot.
Let’s say I get laid off this week. I’ve been paying taxes all my life, paid into SS, and even have health insurance. After I lose my job, I no longer have my health insurance. If I get sick, I can’t afford to pay for it because I just lost not only my job, but my insurance as well.
I see where you’re coming from, and I do agree, some people just shouldn’t be helped.
Health care in the U.S. really sucks, I know. You can try calling the doctor who did the MRI and see what's going on, but usually you just have to wait, sadly. Who knows how many people they have to review for the same discount.
@teknoguy2002 I do see your point about people who can’t afford it. I don’t see a reason why other people should pay for it when the uninsured can’t. That’s what charities are for.
There are a lot of different companies out there and each company has many different plans. You should visit a local independent agent. This person knows the market and can find a plan that fits your situation. I'm assuming you are in your early 20's; in my area if you are healthy you can get plans with a monthly premium ranging from $50 to $375. If you have medical conditions the premium may be higher, depending upon the condition. Of course, the more comprehensive plans will cost you more. If you need to get a prescription filled and don't have insurance here is a site http://drugcardamerica.com/index.aspx?affid=265&agent=1&rxgrp=SAS265&affguid={b7e6c94d-8b80-4605-8155-29578bee9673} that may help. It is a free discount card and can possibly save you some money. Sometimes even people with insurance find they can save a little using this card.
Many doctors don't like seeing patients if they don't have insurance but many others do. It all depends upon the doctor. Doctors don't know what ails you prior to the visit so they wouldn't know how much to charge you. Then if they need to do some expensive testing they may not get paid.
You need to spend some time on the telephone to get everything organized & set up & get some answers. Call, doctors, hospital administrators, anybody that will listen to you until you finally get some results. Anything that's done 'free' will take extra time because they are not profiting from the procedure being done.