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