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SolveYourProblem
Article Series:
Health Insurance
Cost
Effective Family Health Insurance
You
have a family and would like to get health insurance
for your family and have it be cost effective.
Well, don't count on that if you are one of several thousands
of Americans who doesn’t qualify for public medical assistance
or has a posh group medical plan at your job. Many say health
care cost has gotten better the past few years and HMO and
other managed care costs are better and lower than ever. Most
of the working class America has a hard enough time paying
a rent or mortgage, clothing, gas, food, and monthly bills.
Who has the extra for a family medical plan? Even with a half
way decent employer, you would still have to pay at least $150
per week to cover the kids and spouse. If you have no kids,
the price doesn’t change. The only good thing is if you add
more kids the plan doesn’t change then, either. What do you
do if you don’t have an extra $150 a week to invest in this?
What are your options to provide in case of an emergency?
Many
working families are now finding out they can qualify for
medical coverage at least for their children. Depending
on your income, even a working family can get the insurance
they need. In most cases even the adults will qualify with
co-pay. If not, both parents can get individual health coverage
through the group rate at work and the kids can get assisted
medical with the state so no one has to go with out. A family
of 4 making less than 35,000 per year can qualify for these
benefits. If you have more members to your family that amount
increases. If you don’t qualify for that program there some
other options you can try. Many states have a plan right above
assisted state health benefits that will give partial medical
benefits for kids if you make too much for the assisted medical
program. There are other types of help as well such as Catholic
Charities and other local medical programs that pick up where
state assisted leaves off. They can offer discounted medical
coverage and free prescriptions. There is a good chance you
will qualify for the emergency prescriptions and be put on
a waiting list for the coverage portion.
When you have exceeded even these options, you now have three
choices left. You can suck up the cost out of pocket per payday
through your work policy. Save your self the aggravation and
actually have some quality health coverage because the alternatives
aren’t really appealing. Most employers take the brunt of the
cost so one could consider themselves lucky to have a policy
that is only $150 per week, seeing you are only paying about
28% of the actual premium. This can feel like a costly venture,
but it isn’t as costly as paying for a hospital stay. There
is also the truly expensive route in which you can purchase
a plane straight from an agent or company for the highest cost
also. You will get the exact same coverage that you would have
from your job except instead of paying 28% you pay 100%. That
difference is more than you can imagine. The third option is
not having any medical coverage at all.
This
is the trickiest and most widely used option for most Americans
stuck in the middle of economic brackets. Your choices
are limited here and a lot about whom you are depends on what
you decide. There are those persons who utilize clinics for
well and sick check ups and routine vaccinations. These facilities
charge based on income, so the cost is good. The down side
to this is that you are limited to who you can go to and when.
These clinics aren’t always available for a sick baby if they
have others who need vaccines. You may have to wait a couple
days. This option also doesn’t cover emergency and hospital
visits either. Most hospitals have a payment plan for those
people who need income based payment arrangements. So you can
go to places and get care at income regulated guidelines and
keep you and your family safe. Then there is the second option
if clinics are sparse and limited. Always go to the emergency
room. They cannot deny you care because of your lack of ability
to pay. Even if you never pay the bill and don’t care about
the credit they can never deny you. So, take the well-baby
check ups at the clinic and all sick visits at the local ER.
Maybe this will tip off someone to tell the government that
they need to fix the working class people’s options to good
medical care and coverage. Click here to to view health insurance quotes, compare plans side-by-side and apply for the most affordable health insurance within your budget. I did this myself (June 17, 2011) to change my health insurance policy. Saved me $84 per month (or $1,008 per year). It's my SolveYourProblem recommendation.
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by SolveYourProblem.com
: 2006
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