Saturday, October 27, 2007

Lower Health Insurance - What Can I Do If I Find Myself In-Between?

Some people are not poor enough to qualify for health insurance plans for low-income earner but also have financial constraints that make traditional health insurance very difficult to afford.

A medical card is a good option for such people. Such a card gives you access to a network of doctors who have agreed to provide their services at a reduced rates to all card carriers. This card is not usually managed by an insurance company.

If you've been disqualified from traditional health insurance due to a pre-existing condition or think your health insurance premium is too high then you can lower your cost by using this type of card.

This type of card does not exclude anyone for any reason. You only have to pay a monthly fee to qualify to use a network of doctors.

A group health expense sharing plan is another way to lower your health insurance cost. This is a situation where a group of individuals teams up to provide themselves health insurance coverage. You can find such groups in large associations and organizations.

Rules and coverage types differ from group to group. You can check if your personal health insurance needs are met by such a group. You can expect your health insurance cost to be far less if you get a group that fits your needs.

You can get cheaper rates on health insurance today by visiting at least three insurance quotes sites. Using not less than three quotes sites raise the chances that you would make more savings. The plain reason for this is that you'll obtain a greater number of health insurance quotes from a wider range of insurers. This raises your chances of receiving lower health insurance rates.

By Chimezirim Chinecherem Odimba

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