Do you lack health insurance?
If you're an American, and lack of health insurance, you are not alone. In late 2009, it was estimated that nearly 46 million people in the U.S. have no health plan. A recent high unemployment figures do not figure this out any lower.
Some of these people lost their group health plans when they lost their job. Others are self employed or work for a company that offers group health. There are alternative private health plans in the market, but many people simply can not afford or can not get accepted by one. While politicians haggle over the questions, sick people have trouble getting treatment.
Are you sick or healthy?
If you have a very healthy, or if you already have a health problem, you should seek coverage. It will, of course, much easier to find affordable private health insurance if you are healthy. So you can be prepared in case you do not get sick or injured in the accident. Even a simple trip to the ER for a broken bone can cost thousands of dollars.
If you have been injured or ill, it will be hard to get it covered by private plans now. But even people who are already ill should be able to find some help. I hope to present some options for you.
COBRA
Under federal law, some companies have expanded their group medical plan terminated employees. This may be a good choice for those working between mjesta.Samo issue is cost. Instead of just paying your employee contribution, now you will probably also have to pay the entire premium amount. Many former employees were very surprised when they learn how to.
individual health insurance
If you are missing a major medical, and you are fairly healthy, May you find that a private medical plan is quite affordable. It's actually a misconception that the group uses are always cheaper than individual plans. Since insurers can underwrite each applicant, they May actually be able to offer lower prices for healthier people.
If you have the opportunity to expand his group benefits (eg Cobra), or purchase private coverage, just make sure the new plan will accept, and will cover the services you need. It's tough, for example, to get individual plans that cover normal maternity. But if you are accepted, as most people in reasonably good health should be a plan for your needs may vary happy to book your health plan.
State risk pools
Each U.S. state has some kind of health plan for people who have pre-existing health problem that it gets dropped by the other coverage. In some states, these plans can be very expensive though. This is a good choice if you have income or savings, but just do not have health insurance.
Paying for prescriptions
If you can not afford your medication, please consult the Partnership for Prescription Assistance (PPARX). Their website is PPARX.org . This organization offers a point of access to hundreds of private and public assistance programs. Their website says it has helped millions of Americans help, and they May be able to help.
low cost health care institutions
you can find some lower cost health clinics. Many offer health services on a sliding skala.PPARX websites we mentioned about also has a convenient search. You can enter a zip code and see if you can find near the site. I entered my zip code for the test, and I was surprised to see that there were several of these clinics within a short drive from my house. I was not aware that it was before.
financial help for health problems
If you have a serious illness, you may be able to get help from financial aid programs. These are usually non-profit, sometimes called co-pay program. Again, PPARX has information about many of these organizations.
County health system
Try searching for county or public health system in their area. They should provide a reduction in fees for services to patients. You will probably be locked into using their hospitals, doctors, etc., but you should have access to care.
for public health insurance programs
If you have a very low income and few resources, You May qualify for Medicaid. It is a federal and state programs to ensure the poor. Moderate income families should look at the Children's Health Insurance (CIPS) plan for his country. Income guidelines for coverage of children are greater than those for adults, and these plans can cover pregnant women.
What to do if you do not have health insurance
I'd like anyone to understand how they can get health insurance as quickly as possible. For example, you should try to apply for a private policy when they are healthy! You probably are not going to find coverage from private companies after they have been ill or injured. If you find a plan that welcomes you, it will probably be much more expensive way is to ensure order.
is always better to plan ahead. Of course, this is not always possible .. If you have a current health problem, not a health plan, you should look at some of the alternatives are listed.
