Tag: Brian Stevens

Arizona Health Insurance – How to Get the Best Rate

Health insurance is a necessity, not only for major medical care, but also for regular preventive care. If you live in Arizona and need health insurance, here are your options for finding the best rate.

The State of Insurance in Arizona

Arizona statistics reveal 17% of Arizonans don’t have health insurance, placing Arizona 12th among the states for the highest percentage of uninsured. This translates to over one million people without health insurance.

In addition, employer-based health insurance coverage is shrinking in Arizona and is now below the national average. This means that even employed people may no longer have health insurance.

Finding the Best Rate on Arizona Health Insurance

Arizona offers public health insurance programs that provide health care coverage for low-income people through their AHCCCS program (Arizona Health Care Cost Containment System). You can find out if you’re eligible for this program by visiting their website – ahcccs.state.az.us

If you don’t qualify for this program, you need to look into an individual health insurance policy. Keep in mind the following facts about Arizona health insurance policies:

* Insurance companies can refuse coverage to you for pre-existing conditions. There is no waiting period for pre-existing conditions.

* Arizona offers guaranteed renewability. This means that as long as you pay your premiums, your insurance company cannot drop you because you get ill or are injured. However, if you switch insurance companies or even policies within the same company, they can then exclude coverage for your condition.

What does this mean for you? It means you should do your homework and find the best health insurance rate the first time, rather than taking the risk of changing companies later.

The easiest way to make sure you get the best rate is to visit an insurance comparison website. On such a website, you will complete a simple form with information about yourself and your insurance needs. Then you’ll receive quotes from multiple A-rated health insurance companies. All you have to do is compare the quotes and choose the one with the best rate.

The best insurance comparison websites even let you talk with insurance professionals through an online chat service so you can ask questions and make sure you choose the best health insurance for your needs and your pocketbook (see link below).

Visit or click on the following link to get Arizona health insurance quotes online from top-rated companies and see how much you can save. You can also get more insurance tips there.

The authors, Brian Stevens and Stacey Schifferdecker, have spent 30 years in the insurance and finance industries, and have written a number of articles on Arizona health insurance.

How to Get the Best Health Insurance Price

Health insurance is a must in today’s climate of rising health care costs. If you aren’t fortunate enough to receive health insurance through your employer, here’s how to get the best price on health insurance on your own.

What Kind of Health Insurance Do You Need?

You don’t want to pay for more health insurance than you need, but you do want to make sure you are protected. The first thing you need to do is decide what kind of health insurance you need. Begin by asking yourself these questions:

* How much can I pay for co-payments and deductibles? The higher you set these items, the lower your premiums will be, but you need to make sure you can pay them.

* Do I need short term or long term health insurance? If you expect to get a job that will include health insurance, short term health insurance will cover you until your employer plan begins.

* Do I need basic or comprehensive coverage? Basic coverage covers hospitalization and inpatient/outpatient surgery, while comprehensive coverage can also include doctor visits, preventative care, and prescriptions.

* Do I have a particular doctor or hospital I prefer? You’ll want to make sure your preferred doctor and hospital accepts your insurance.

Find the Best Price on Health Insurance

Now you can start looking for the best price on health insurance. Begin your search by going to an insurance comparison website. These websites make it fast and easy for you to get and compare quotes from different insurance companies. All you do is fill out one simple form with information about yourself and your insurance needs, and you’ll soon get quotes from multiple A-rated health insurance companies.

On the best insurance comparison websites, you can even talk with insurance professionals, online or by phone, and get answers to all your health insurance questions. (See link below.)

Visit or click on the following link to get health insurance price quotes from top-rated companies and see how much you can save. You can also get more insurance tips there.

The authors, Brian Stevens and Stacey Schifferdecker, have spent 30 years in the insurance and finance industries, and have written a number of articles on finding the best health insurance price.

Where to Get Affordable Retirement Health Insurance

If retirement is in your near future, you need to make a lot of plans for your financial future, including figuring out what you’re going to do for retirement health insurance.

Even if you’re in good health, chances are you’ll experience some health problems as you age. Plus you’ll want to have routine checkups and preventive care.

Having a good health insurance policy is key to a peaceful retirement.

Closing the Gap

Part of the retirement health insurance problem is that Medicare coverage doesn’t begin until age 65 but many people want to retire before then. If you retire early, you need to fill an insurance gap between when you retire and when Medicare coverage begins. Some options available to you include:

* Continuing coverage through your employee. Some large companies continue to provide insurance coverage for retired employees. Even if they don’t, you may be eligible for coverage through COBRA for up to 18 months

* Obtaining coverage through your spouse’s employer, if your spouse is still working

* Looking for a cheap private medical policy

Finding an Affordable Policy

If you do decide you need to get a private policy, be prepared for sticker shock! These policies are not cheap.

However, you can save money by going to an insurance comparison website to find your policy. These websites make it easy to comparison shop for insurance, which is very important because rates for the same coverage can vary by hundreds of dollars from one company to another.

Just be sure you choose a website that offers an online chat service with insurance experts in case you have any questions you need answered (see link below).

Planning for the Future

Even when Medicare begins, you may still choose to buy a Medigap policy to cover your deductible, co-payments, and other out-of-pocket expenses. Insurance comparison websites give you access to these kinds of policies as well.

Where to Get Affordable Insurance

Visit or click on the following link to get affordable retirement health insurance quotes from top-rated companies and see how much you can save. You can get more tips and advice in their Articles section, and get answers to your questions from an insurance expert by using their online chat service.

The authors, Brian Stevens and Stacey Schifferdecker, have spent 30 years in the insurance and finance industries, and have written numerous articles on affordable retirement health insurance.

How to Get Low Cost Maternity Health Insurance

Fifteen percent of American women do not have maternity health insurance and face overwhelming medical bills, especially if there are medical complications. Here’s how to get low cost maternity health insurance that could save you from financial disaster.

What is maternity health insurance?

Maternity health insurance is a health insurance plan that includes maternity coverage. As of this writing there are no stand-alone maternity health insurance plans.

You can purchase one of the following types of plans to get maternity coverage:

* An indemnity plan which lets you choose your own doctor and hospital, but is the most expensive type of plan.

* A managed health care plan (HMO, PPO, POS) that assigns you to a network of doctors and hospitals that you use for your medical care. These are the cheapest types of plans.

What does maternity health insurance cover?

Standard maternity health insurance policies cover your doctors expenses, your hospital fees, and your prescriptions drugs – basically all your maternity medical expenses.

Can I get maternity health insurance if I’m already pregnant?

Private insurance companies will not insure you if you’re already pregnant, but some states offer Medicaid health insurance, or plans such as California’s Medi-Cal, to low income families. To see if your your state has a low income maternity health insurance program, visit your state’s department of insurance website.

If you’re pregnant and don’t qualify for state sponsored maternity health insurance, the best thing you can do is call the hospitals in your area and see if you can negotiate a cheaper than normal rate. Most hospitals will give you a discount if you pay cash.

Where can I get cheap maternity health insurance?

The best way to get cheap maternity health insurance is to go to an insurance comparison website where you can get rate quotes from multiple insurance companies.

Visit or click on the following link to get maternity health insurance rate quotes from top-rated companies and see how much you can save. You can get more insurance tips in their Articles section, and get answers to your questions from an insurance expert by using their online chat service.

The author, Brian Stevens, is a former insurance agent and financial consultant who has written a number of articles on how to get low cost maternity health insurance.

Where to Get Cheap Colorado Health Insurance Plan Quotes

Although Colorado ranks high on income levels, the state unfortunately also ranks high on the number of people who are uninsured, with 15 to 17 percent of Coloradoans lacking health insurance. If you’re in this group here’s how you can get cheap Colorado health insurance plan quotes from top companies.

Who Are the Uninsured in Colorado?

You might think that only unemployed people don’t have health insurance. In fact, a third of the uninsured in Colorado work full time, but they work for small businesses that cannot afford insurance coverage for their employees. In addition, they tend to have lower incomes, with over half of the uninsured earning under 200 percent of the poverty level.

The high number of uninsured in Colorado affects the state economy in several ways:

* The uninsured sign up for state-sponsored health insurance programs such as Child Health Plan Plus and ColoradoCovers. These programs are paid for through state funding.

* Health care providers charge all their patients higher prices to subsidize the uninsured patients who are unable to pay for their care.

* As health care costs rise, so do insurance premiums, with Coloradoans paying as much as $934 extra each year in insurance premiums to cover the cost of the uninsured.

Where Can You Find Cheap Colorado Health Insurance Plans?

Everyone benefits when more people have their own health insurance. A great way to find cheap insurance quotes is to go to an insurance comparison website. You can find quotes for all types of insurance at these sites, including:

* Basic or comprehensive coverage

* Catastrophic or accident-only health insurance

* Traditional insurance, PPO plans, or HMO plans

* Long-term or short-term health insurance

* Home health care insurance

* Vision and dental insurance plans

The best insurance comparison websites even offer a chat feature so you can get answers to all your insurance questions directly from an insurance professional (see link below).

Going online to find your health insurance is quick, it’s easy, and it will save you money because you’ll get quotes from several different companies to compare. Give it a try!

Visit or click on the following link to get Colorado health insurance plan quotes from top-rated companies and see how much you can save. You can also get more insurance tips there.

The authors, Brian Stevens and Stacey Schifferdecker, have spent 30 years in the insurance and finance industries, and have written a number of articles on getting cheap Colorado health insurance plan quotes.

Where to Get a Discount Health Insurance Plan

Looking for a discount health insurance plan with a reliable company? Here’s where to find one.

State Sponsored Health Insurance Plans

The first place to go to find a discount health insurance plan is your state’s insurance department website. Most states have low-cost and no-cost plans for low income individuals and families, children whose parents cannot afford health insurance, pregnant women, and the elderly.

To find out if you qualify for a state-sponsored health insurance program, visit your state’s department of insurance website by doing an Internet search for “(your state’s name here) department of insurance.”

Private Health Insurance Plans

There are four types of private health insurance plans:

HMOs (Health Maintenance Organizations) are the cheapest plans because you are assigned to a network of hospitals and doctors you must use for your medical care. With these plans you pay a monthly premium plus a $5 to $10 co-payment for each doctor visit.

PPOs (Preferred Provider Organizations) and POSs (Point-of-Service plans) cost slightly more than HMOs, because although you’re assigned to a network of doctors and hospitals you can use a non-network doctor or hospital for an additional fee. With a PPO you pay your medical expenses when services are rendered. With a POS you pay a monthly premium and an $5 to $10 co-payment for each doctor visit.

Indemnity, or Fee-For-Service plans, are by far the most expensive health insurance plan because you can use the hospital and doctor of your choice. You pay a monthly premium for the plan, and a deductible of usually $500 to $2,000 before your insurer will pay your medical bills.

Where to Get a Discount Health Insurance Plan

The easiest way to get a discount health insurance plan is to go to an insurance comparison website where you can get rate quotes from a number of insurance companies then compare rates and choose the cheapest one.

Visit or click on the following link to get discount health insurance plan quotes from top-rated companies and see how much you can save. You can get more insurance tips in their Articles section, and get answers to your questions from an insurance expert by using their online chat service.

The author, Brian Stevens, is a former insurance agent and financial consultant who has written extensively on how to get discount health insurance plan quotes.

Small Business Health Insurance Providers With the Best Rates

When it’s time to select a health care plan for your employees, you need to look at several small business health insurance providers in order to find the one with the best coverage and the best rate.

Some factors you want to consider when you are shopping for medical coverage include the type of insurance, the price, and the company’s stability and service.

Type of Insurance

Small business health insurance plans offer group coverage, which is always going to be less expensive than individual coverage. In general, small business health insurance plans fall into one of these two types:

* Fee for Service. With this type of plan, employees receive a fixed reimbursement for medical costs and can choose any doctor or hospital. These are the most expensive type of health insurance.

* Managed Care, such as PPOs (Preferred Provider Organizations) and HMOs (health maintenance organizations). With PPOs and HMOs, employees must choose a doctor and hospital that’s part of a health care network. HMOs usually offer fewer choices than PPOs and employees may need approval before they can visit a specialist.

Price

The same type and amount of coverage can vary by thousands of dollars from one company to another. To ensure that you get the best rate, use an insurance comparison website to get quotes from at least three insurance providers. (See link below.)

Stability and Service

You want an insurance company that’s going to be able to pay your claims and that will provide good customer service. You can check on the financial stability of insurance companies by checking rating services such as A.M. Best (ambest.com), and Standard & Poor’s (standardandpoors.com).

A good place to check on a company’s customer service record is to go to your state’s Department of Insurance website or the Better Business Bureau. They will have records of complaints lodged against the company.

Visit or click on the following link to get small business health insurance quotes from top-rated companies and see how much you can save. You can get more tips and advice in their Articles section, and get answers to your questions from an insurance expert by using their online chat service.

The authors, Brian Stevens and Stacey Schifferdecker, have spent 30 years in the insurance and finance industries, and have written numerous articles on small business health insurance providers.

Where to Get Cheap Small Business Health Insurance in Indiana

According to the Indiana 2008 Legislative Agenda, -Access to affordable health care continues to be one of the biggest concerns for small businesses in Indiana. Of the 42 million people uninsured, more than 61 percent are either small-business owners or employees of small businesses.-

Legislators are considering a number of options to help ease the insurance burden. But until these or other money-saving options are enacted, small business owners still need to find inexpensive health insurance.

Lowering Your Costs

There are ways small business owners can reduce health insurance costs. For example, you could choose a PPO or HMO instead of a Fee for Service plan. While Fee for Service plans offer more choice and flexibility, they also cost more.

Another option is to consider a high deductible insurance plan coupled with a health savings account. You will have to pay out of pocket for all your medical costs until you reach the deductible. However, you can reimburse yourself – tax-free – with funds from the health savings account.

Get Quotes from Multiple Companies

No matter what kind of plan you decide to buy, the best way to get the best rates is to comparison shop. You can quickly and easily get quotes from multiple A-rated insurance companies by going to an insurance comparison website.

You just fill out and submit a simple online questionnaire and you’ll receive quotes from several small business health insurance companies.

On the best websites, you can also talk online with insurance experts, getting complete and accurate answers to all your insurance questions. (See link below.)

Where to Get the Best Rates

Visit or click on the following link to get Indiana health insurance quotes for small your business from top-rated companies and see how much you can save. You can get more tips and advice in their Articles section.

The authors, Brian Stevens and Stacey Schifferdecker, have spent 30 years in the insurance and finance industries, and have written a number of articles on small business health insurance in Indiana.

Where to Get Low Cost Health Insurance in Illinois

In Illinois, 1.4 million adults do not have health insurance. And this number is expected to rise as insurance costs go up and businesses reduce or drop insurance benefits. So where can you find low cost health insurance in Illinois?

Explore Your Options

Many Illinois residents are fortunate enough to get adequate health insurance through their employers. However, if you’re unemployed or your company doesn’t offer health insurance you can still get coverage:

* If you left a job that offered health insurance or your employer dropped your health insurance benefits, look into COBRA coverage. COBRA offers you coverage under your former employer’s health insurance plan for a few months at your own cost.

* Look into Illinois Covered, the state health insurance program. This program helps with health care and insurance costs for a variety of Illinoisans, including children, low-income residents, uninsured adults, businesses, and middle-class families.

* Group insurance from an organization. If you buy health insurance through an organization such as your college alumni group or a professional group, you may be able to qualify for a lower group rate.

* Buy an individual health insurance plan. This may be the most expensive option, but it also offers the most choices, as many types of individual plans are available: comprehensive coverage, major medical coverage, emergency coverage, short-term coverage, PPOs, HMOs, and POSs.

Finding a Low Cost Illinois Health Insurance Policy

If you decide to buy an individual health insurance plan, an insurance comparison website is the best place to find a low cost policy. On these sites you spend a few minutes completing a form with information about yourself and your health insurance needs. Once you complete the form you’ll receive health insurance quotes from multiple A-rated insurance companies.

The best websites also let you talk with insurance professionals via an online chat service so you can ask questions and make sure you get the best health insurance plan for you (see link below).

Visit or click on the following link to get cheap Illinois health insurance quotes from top-rated companies and see how much you can save. You can also get more insurance tips there.

The authors, Brian Stevens and Stacey Schifferdecker, have spent 30 years in the insurance and finance industries, and have written a number of articles on health insurance in Illinois.

How to Get Cheap Temporary Health Insurance

Need cheap health insurance to cover you for anywhere from one month to a year? Whether you’re between jobs, going to school, or working without benefits, don’t take the risk of going without health insurance. Instead, find the protection of a temporary health insurance plan.

What about COBRA?

If you’ve been working at a job that offered group health insurance but you’ve been laid off, quit, or fired, COBRA health insurance lets you temporarily remain insured under the group health care policy. Sound good? It can be, especially if you have a pre-existing condition.

With COBRA, you’ll receive the same benefits and coverages you had as an employee. The main disadvantage to COBRA is that you have to pay the insurance premium yourself, instead of your employer paying a portion of it. Therefore, COBRA coverage is usually expensive.

Other Temporary Insurance

Short term or temporary health insurance is an affordable alternative to COBRA coverage. It typically costs less than COBRA and lets you choose any doctor or hospital. It provides the same coverage as other health insurance plans, including:

* Doctor visits

* Inpatient and outpatient treatments and procedures

* Surgeries

* Other hospitalization services

However, pre-existing conditions or preventative care are usually not covered.

Finding Affordable Temporary Health Insurance

Because temporary health insurance plans are typically designed for the unemployed, insurers strive to keep the plans affordable. To find the most affordable plan for you, begin your search by visiting an insurance comparison website. Once there you’ll complete a short form with information about yourself and your insurance needs. You’ll then receive quotes for temporary health insurance plans from multiple A-rated companies.

Some comparison sites even have a chat feature so you can get answers to your questions about temporary health insurance from an insurance professional. (See link below.)

Visit or click on the following link to get temporary health insurance quotes from top-rated companies and see how much you can save. You can also get more insurance tips there.

The authors, Brian Stevens and Stacey Schifferdecker, have spent 30 years in the insurance and finance industries, and have written a number of articles on temporary health insurance.