| Medical bills are responsible for more than | | | | you a monthly premium and cover your doctor |
| half of the personal bankruptcies in the | | | | visits, prescription drug costs, and hospital |
| U.S., and that number is climbing. If you | | | | fees. You are responsible for paying a |
| don't have health insurance you risk losing | | | | deductible before your insurer will pay for |
| everything you own. Here's how to get | | | | your medical bills, and you'll also have to |
| affordable family health insurance quotes so | | | | pay a percentage of those bills (usually |
| you won't face that situation. | | | | 20%). |
| | | | |
| Government Sponsored Programs | | | | Indemnity plans are the most expensive plans |
| | | | and involve the most paperwork. |
| There are a number of no-cost and low-cost | | | | |
| government programs you may be eligible for. | | | | Managed health care plans (HMOs, PPOs, and |
| These include: | | | | POSs) - These plans charge you either a |
| | | | monthly premium or charge you for services as |
| Federal programs - Medicaid is a federally | | | | they're rendered. They pay for your doctor |
| funded health insurance program that provides | | | | visits, prescription drug costs, and hospital |
| health care for low-income adults and | | | | fees. You are assigned you to a group of |
| families, pregnant women, elderly adults, | | | | health care providers - doctors and hospitals |
| people who are disabled, and people who care | | | | - you must use for your care. |
| for a disabled family member. For more | | | | |
| information on Medicare, visit the Medicare | | | | Managed health care plans are the cheapest |
| website at medicare.gov. | | | | plans and involve the least paperwork. |
| | | | |
| State programs - Every state has a number of | | | | Affordable Health Insurance |
| health care programs for low income adults, | | | | |
| families, and children. For instance, the | | | | In order to get affordable health insurance |
| Children's Health Insurance Program (CHIP) is | | | | you first of all need to choose a plan that |
| available to families who cannot afford to | | | | fits your needs, then you need to compare |
| pay for insurance for their children but who | | | | rates to see which company has the most |
| earn too much to qualify for Medicaid. For | | | | affordable rate. |
| more information about state-sponsored | | | | |
| programs and to see if you qualify for any of | | | | Visit or click on the following link to get |
| their programs, visit your state's department | | | | affordable family health insurance quotes |
| of health services or department of human | | | | from top-rated companies and see how much you |
| services. | | | | can save. You can get more tips and advice in |
| | | | their Articles section, and get answers to |
| Private Plans | | | | your questions from an insurance expert by |
| | | | using their online chat service. |
| If you don't qualify for a government | | | | |
| sponsored health care program your other | | | | The author, Brian Stevens, is a former |
| option is a private health care plan. These | | | | insurance agent and financial consultant who |
| plans fall under two categories: | | | | has written a number of articles on how to |
| | | | get affordable family health insurance |
| Indemnity plans (also known as | | | | quotes. |
| fee-for-service plans) - These plans charge | | | | |