Archive for the ‘buying individual health insurance’ Category

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Health Insurance Quotes for Children

Friday, October 15th, 2010

Health insurance companies are reluctant to offer child only health insurance policies under The Obama administration and new health law. The Affordable Care Act also know as Obama Care, states that all future plans in the individual health insurance market for children age 18 and younger cannot deny coverage to children who have pre-existing conditions.

Some insurers decided to stop quoting and writing new business in the child-only market because of concerns that parents would not quote and enroll children until they get sick. Insurers can charge higher rates for children, which is not prohibited by the Affordable Care Act but is permitted by state law.

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Health Insurance Quotes for Children Don’t Exist

Friday, September 24th, 2010

All insurance carriers are halting sales of individual health insurance for children policies based on confusion over a federal reform provision that takes effect today.

The health insurance reform act that was passed in March requires that policies starting now or in the future cannot exclude, limit, or deny medical coverage to children under 19 based on any health problems that developed before seeking medical coverage. Therefore, there will be no more exclusions for children with pre-existing conditions.

Premiums could double for everyone by mid 2011. Your best choice is to buy health insurance now and lock in a low rate for several years. Many carriers allow you to lock in rates for more than a year at a very small cost per month.

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Buying Michigan Health Insurance Steps

Thursday, March 11th, 2010

How much you will have to pay for a Michigan health insurance policy depends largely on the  laws and regulations in the state. Michigan allows for underwriting, which makes carriers able to decline or approve an application. When switching plans you should consult a Michigan health insurance broker to see all available options.

Michigan health insurance consumers rarely observe the many different options available to them. About ten companies actively compete for your business in the state with many different options to choose from. Any type of Michigan health insurance plan you choose should at least cover you up to three million dollars, if you see daily benefit maximums, deductibles for each injury or illness you should stay away from these plans. They do not provide the benefits you are looking for and are not major medical health insurance.

Always look beyond the premium when shopping for Michigan health insurance. The plans include different deductibles, co-pays, co-insurances, and prescription coverage. Health insurance premiums differ from zip code to zip code. A Michigan health insurance broker like Easy To Insure ME is able to tell you what is the most affordable plan with the best benefits.

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Health Insurance Quotes Steps

Thursday, February 25th, 2010

Before  looking at health insurance quotes you should clarify what kind of plan you need. Also, your needs must meet your target price. You must do some research at the very beginning of your health insurance quotes search for affordable coverage. Choose coverage according to your specific needs and then you can look for a plan with additional benefits. The type of coverage really depends on your current situation.

You must choose carefully which carrier to deal with after getting the best health insurance quotes. If you are looking for ratings or more information we encourage you to call in and discuss the carrier. We work with the carriers everyday and know almost everything about the way they do business.

Make a telephone call. This will allow you to get answers to your questions immediately and clearly. In addition, Easy To Insure ME can look up your doctors to ensure that they participate in the plan you are interested in. This will only take about a minute.

To further clarify your health insurance quotes, review the plan with your agent over the phone. Have them read the full benefits of the plan. We are here to help you with your decision and make it as easy as possible.

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Driving Down the Cost of Individual Health Insurance

Wednesday, February 17th, 2010

Let’s start with tobacco. Smoking or use any tobacco products creates health problems so you should expect to pay more for your individual health insurance.

Being overweight is a serious problem, part of your individual health insurance monthly premium is based on your Body Mass Index (BMI ). Losing even just a little weight can save you hundreds of dollars per month.

Increasing your copay will greatly reduce your individual health insurance premium. This is a great tactic for consumers who do not see doctors on a regular basis.

Furthermore, the higher your deductible the lower your monthly individual health insurance premium will be.

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The Many Individual Health Insurance Options

Wednesday, January 27th, 2010

Thinking of buying individual health insurance? There are a number of things you need to consider. A lot of small businesses don’t offer health insurance, which means that people are often left to sort it out for them self. If you are self employed then you are responsible for your own health insurance because in a sense you are your own employer.

It is particularly important to compare individual health insurance plans. Each one is different and the plans will vary in what they will cover. The following factors are  what you should look out for when searching for the right individual health insurance coverage. What will the health insurance pay for, and how much will they pay out if you need to stay in the hospital? Does the health insurance cover you for visits to the doctor?

Where Can You Get A Plan Of Your Choice?

You are able to purchase individual health insurance on this EasyToInsureME website. Online providers are more likely to have a bigger selection and it will be easier to find the cheapest prices.

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Recent college grads have trouble securing health insurance

Tuesday, January 26th, 2010

Months after college seniors have received their diplomas, they could find themselves without health insurance. With the current recession, there are fewer opportunities for college graduates to secure a job that offers health insurance.

Many young adults choose not to buy health insurance because they are not ill. There are options for people between the ages of 20 and 29 who are unemployed but want health insurance.

A person lookingfor health insurance should ask the following question.
“How much will the plan pay per occurrence or per lifetime? Thirty thousand dollars per occurrence may sound good, but that might pay for less than a week in a hospital. A $100,000 lifetime benefit may sound good for a policy you expect to have for only four years, but a major accident or illness can cost several hundred thousand dollars. A cheap policy may max out too soon.” People must also consider the doctors in the network offered by the health insurance plan, the deductible and the exclusions listed in the plan.

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How To Shop For Individual Health Insurance

Tuesday, January 26th, 2010

If you find yourself shopping for individual health insurance, you will want to keep several things in mind. Regardless of your situation there are things you can do to get major medical coverage that won’t leave you broke each month and will not have you filing for bankruptcy come claim time.

Things to consider when you’re looking for an individual health insurance policy are what’s covered and not covered on the plan, what are the monthly premiums, what is the yearly out of pocket exposure per person, what is the deductible, what do office visits cost, how are prescriptions covered, and is preventative care covered?

Before you go comparison shopping it is good to know that your rates are determined by the individual health insurance carriers and not who or where you purchase the plan from. This means that if you buy directly from the carrier, from an online website, or from a broker your final rate will be the same. The key is to know exactly what you are buying and what you are not buying. You should compare different health insurance plans side by side to see how they stack up to each other.

Be aware that if you are looking at health insurance quotes online, you are always quoted the best case scenario. Since rates are determined by the carrier it is always in your best interest to use an independent health insurance broker that represents all the major carriers. These professionals know the underwriting requirements of each carrier and can explain to you how each one will handle your specific situation giving you the information you need to make a well informed buying decision for your individual health insurance plan.

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Individual Health Insurance Quotes Change for 2010

Wednesday, January 13th, 2010

Individual health insurance rates vary with the continuing changes in the health care industry. Savvy consumers secure personal finances in buying individual health insurance and taking advantage of guaranteed fixed rates.

Richboro, Pennsylvania (EasyToInsureME Press Release) Continuing changes in the health care industry have generated concern for many. The cost of individual health insurance continues to vary for those who do not have guaranteed health insurance plans. Guaranteed health insurance plans provide financial security with fixed rates eliminating the uncertainty of today’s variable health insurance rates. EasyToInsureME a leading individual health insurance resource reports an increase in sales of guaranteed fixed rate policies. EasyToInsureME Founder Chad Levin states, “The guaranteed fixed rate health insurance polices have become increasingly popular due to the recent changes in the health care industry.” Chad goes on to comment “There are number of companies offering fixed rate plans today but only one makes it easy to compare rates, buy individual health insurance online and offers superior customer service.”

EasyToInsureME provides consumers guaranteed fixed rate health insurance plans, comparative shoppers visiting www.easytoinsureme.com/ can get health insurance quotes from all leading health insurance companies including Aetna, Blue Cross, Blue Shield, Celtic, Coventry Health Care, Golden Rule Insurance, Humana, American Community, United Health One, Cigna and others. Visitors can compare health insurance quotes to find an individual health insurance plan which meets their needs and fits their budget. Applications may be submitted up to sixty days before the beginning date of coverage when buying individual health insurance. No complicated forms to fill out, visitors get instant online health insurance quotes by simply visiting the website and entering some basic information. Visitors can compare individual health insurance companies, benefits, and co pays, all in an easy to understand format.

Making buying individual health insurance easy, EasyToInsureME visitors can compare individual and family health insurance quotes in seconds. The company provides plans from every health insurance carrier in the U.S. along with an easy search tool for finding participating doctors. Visitors who have requested an instant online health insurance quote will also receive an email from an EasyToInsureME licensed professionals. The email includes an outlined comparison of the best health care plans available, health plans with the lowest rates and health plans with the best benefits.

Launched in 2005, EasyToInsureME meets the needs of individuals shopping for affordable health insurance. The popular site has become a favorite and attributes its success to superior customer service in addition to offering personalized services. Founder Chad Levin states, “Clients can instantly compare quotes from leading health insurance companies, find a plan that fits and save. A majority of clients have seen a 30% reduction in premiums.”

EasyToInsureME is a 100% customer focused company and staffed by fully licensed professionals dedicated to providing the best service in the industry. For a free health insurance quote quote visit http://www.easytoinsureme.com/ or call 866-492-3905.

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