Cheap, low cost affordable health care, On or Off the Marketplace Exchange.
As the healthcare debate continues, we all have the same desire to have affordable health insurance that fulfills individual and family needs. Why does it have to be so difficult?
These days, it's difficult to figure out the right affordable insurance and then more difficult when you have to pay for it, especially when it's not cheap. Fortunately, we can help you determine the low cost coverage that is cheap and accessible.
So where do you start? What's cheap? Each individual or family has circumstances that are all different. You have to consider the number of members in your family as well as what their needs might be and everyone is different. If you are and individual, it's easier to affordable low cost plans but you still may have certain issues that need consideration.
There are many types of affordable low cost coverage plans in Georgia from Aetna, Assurant, BlueCross Blue Shield of Georgia (BCBSGA), Coventry Health Care (CVTY), Kaiser Permanente and United Healthcare. And that's just the beginning.
So when you're thinking about low cost affordable health insurance, what type of health insurance coverage is available? Let's look at the basic definitions of health care plans and organizations.
Individual - Family - Full covereage medical insurance for individuals whose resources and risks are pooled typically by a health insurance carrier to cover medical care expenses.
Short-term - Affordable temporary insurance, when between situations, that does not cover pre-existing medical conditions.
Medicare - Affordable Medicare Supplimental helps bridge the gap for those individuals who cannot afford coverage plans.
Group - Insurance coverage underwritten by an emloyer, labor union or professional association. Cheaper than individual coverage.
Dental - Affordable insurance coverage that covers a portion of the expenses associated with dental care.
While considering cheap affordable health care plans, there are specific types of affordable health insurance plans to consider.
HDHP - Combined with HSA or HRA gives greater flexibility and tax advantages to save on medical care expenses.
HSA - Pay for current expenses and save for qualified medical and retiree expenses, tax-free.
HRA - Employer-funded account to reimburse allowable medical expenses.
HMO - an organization of doctors and other professionals that by contract, provide in-network services from self-funded (premium-paid) health care benefit plans.
PPO - a network of physicians, hospitals, etc that provide a substantial in-network discount below regularly-charged rates.
POS - basically combines characteristics of both the HMO and a PPO. Servie is sometimes in and out of network.
COBRA - A law that protects coverage for a limited time when there is job loss, transition, death, divorce.
Those are basic definitions of health care plans and organizations so when you're thinking of cheap, affordable health care plans, keep this in mind.
At some point, we will know where we all stand with repect to the ongoing debate. So for now, if you are looking for cheap, low cost coverage, give us a call. We'll both figure it out together. We don't want to just give you a quote, we want you inform and educate you. So what is considered affordable? Typically, most people can determine what premiums and copays will be the most affordable with repect to their budgets.
Before you get started, TURN TO US! Don't just get a quote. Let us educate and guide you to cheap, affordable, low cost coverage On or Off the Exchange Market Place!