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In June 2012 the United States Supreme Court upheld the
Obamacare – the individual mandate of the Affordable Care Act. According to the
mandate every American citizen must have health insurance or pay a fine. This translates
into millions of Americans having to get health insurance cover by the year
2014. With so many people looking for cheap
health insurance, it is only fair to provide a few tips in order to make
the task a little easy.
Many American find buying any kind of insurance a challenge
because of the jargon involved. Not many know terms like deductibles and
co-insurance, which make up important aspects of the offer document. Thus, the
first thing to do for anyone looking to buy cheap health insurance is to learn a little about the subject.
Resources like the Internet have made this chore far easier than imagined. All
you have to do is run a quick search. Some of the topics you might want to
cover are: what is health insurance, what are the benefits of having health
insurance, what types of health insurance covers are available on the market
today, what are the laws for health insurance covers in the US and in your
State of residence, where all can you buy health insurance, what should you
look for in a insurance policy, etc. Also, check out what the insurance
providers mean by deductibles, premiums, co-pay and co-insurance.
Knowing your finances is always helpful. It can tell you
rough how much you can afford paying out of your pocket in a year if need be. If
your financial condition is not at its best, do find out about the various
exemptions provided by the government and see if you qualify for any. You can
also see if any insurance company is willing to offer a special discount to get
your business. This is likely in case you already have other insurance policies
from a particular insurance provider.
Premiums, deductibles and covers vary widely from company to
company. Thus you may want to keep your details handy to compare different
insurance providers and their services. Keep your family’s medical history in mind;
make a note of your pre-existing medical conditions; whether you regularly take
any specific medication, whether you are partial to a particular doctor, etc.
This can be helpful in getting a more accurate quote. Since September 2012,
insurance companies are required to use a standard form that shows the prices
of each insurance plan. This form has been specifically designed to be easy to
understand and includes details such as co-payments and deductibles for your
convenience. This aspect makes comparison easy and effortless for the customer.
Even though all insurance companies may seem the same, it is
imperative that you look for a company that is, first of all licensed, reputable,
and known for its customer service. Having the best health plan is not nearly
enough if you have to spend hours on the phone to dispute a denial or get
clarifications about any aspect of your coverage. Poor customer service can
result in future stressful situations becoming even worse. Go online to look
through customer blogs and testimonials to get a clearer picture of the company
in question.
The government is working hard to make sure that every
citizen of our great nation can afford health insurance. The Affordable Care
Act is a step in that direction. In the coming years many aspects of health
insurance may be subject to change, therefore be sure to not blindly renew your
existing health plan in the future. Take the time to do some research and find
the best deal for you before signing the dotted line.
Bio
Jack is a freelance writer for the http://www.bestinsurance.com/ . Having
worked in healthcare industry for years, he understands the importance of
having a health plan. He often writes about how to find cheap
health insurance in the US ,
ten things to know about health insurance before you buy a policy, how to
choose the ideal health plan for your family, etc. He also blogs about movies
and music albums.
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