Free Medical Insurance
Free medical insurance is available only through federal or state government programs. People with low income or those who have no income can qualify for insurance through a government sponsored program. Many families in America are living at or below the poverty level today. They cannot afford to pay for medical coverage and they need assistance. Health care costs are continually rising and since many people have no coverage at all, they simply do not seek medical attention. In the event of an emergency, free health insurance could make a substantial difference.
Many programs that insure others at no charge are available only to children. Every state in the nation has a free medical insurance program for infants, children, and even teens. It is offered to children in working families, including those with varying immigration status. Free health insurance will cover doctor's visits, prescription medicines, hospitalizations, and much more. Children without current coverage are most likely eligible, even if the parents are working. Each state has different rules to determine eligibility, but most states will offer help to children who are eighteen years old and younger.
Factors that influence eligibility for free health coverage are the total family income and the number of family members. For example, in many states a family of four can earn income of up to thirty-four thousand dollars per year and the children will still qualify for free medical insurance. Since the cost of health care premiums have risen so much in recent years, many employers cannot afford to offer health coverage. Those that do, often cannot pay the entire premium. More often, employers can only pay a small portion of the group premium forcing the employee to pay most of the cost. This has pressured the states to develop their own free health insurance programs.
Coverage offered by the federal government is usually only available to families on welfare or people who are disabled and have no other income. The families that are working hard to provide for their families often cannot afford to pay super sized health insurance premiums, but they do not qualify for free medical insurance programs such as Medicaid. The only solution is for the state governments to step in and provide much needed assistance. Just as God cares and provides for His children, the government is supposed to care and provide for the people. "For to us a child is born, to us a son is given: and the government shall be on his shoulder." (Isaiah 9:6)
Instant health insurance quotes are a great way to gain information about the many options available for coverage. Getting one online is probably the easiest and fastest route. Multiple companies offer an individual an instant health insurance quote and allow a person to compare different plans and even apply online. Those offering this information are also on hand to answer any and all questions concerning coverage, so that an educated decision can be made.
There is information for families, for groups, short term, dental and/or travel insurance including Medicaid, Medicare and disability insurance. Companies are eager to earn business and will supply an instant health insurance quote again and again, if needed. Looking for coverage can be overwhelming as there are many options to choose from. When someone gets their instant health insurance quotes, the company will help them choose the right plan to suit personal needs and budget.
This is just the first step into the complicated world of health care. After getting an instant health insurance quote, it is important to keep in mind that all information needs to be totally honest and accurate. If the applicant eliminates any pertinent information about an existing condition or the fact that they are a smoker, they may lose all of their insurance when the company finds out. Getting instant health insurance quotes is definitely the place to start on a quest for coverage. "Dear friend, I pray that you may enjoy good health and that all may go well with you, even as your soul is getting along well." (3 John 1:2) It is important to note the repercussions of not getting some sort of coverage. The amount paid every month, no matter what type of plan a person is on, will far outweigh the full cost that comes with a car accident or diagnosis of cancer. Worse yet is the neglect a person without coverage will go through because they cannot afford to pay full cost. This can lead to many serious problems in the future.
There are four basic types of plans that someone can get. There is FFS, which is Fee For Services, where you can pick any care provider or hospital. but it has a deductible. HMO, Health maintenance Organization, is the least expensive but also the least flexible. POS, or Point Of Sale, is more flexible but still has restrictions. PPO, or Preferred Provider Organization, offers co-payments with doctors and prescriptions. Anyone can get an instant health insurance quote for any of these programs along with an explanation of what each of them provides.
Health Insurance For Self EmployedHealth insurance for self employed people is extremely expensive and should be carefully reviewed for fraudulent or misinterpreted terminology with regards to coverage. Typically, health insurance for self-employed people is purchased as a means to pay for emergency visits or larger expensive hospital services. This can greatly reduce the premium cost. Many of the affordable polices that people who own their own business buy do not cover routine office visits for physicals or immunizations. These types of services are usually inexpensive, and can be paid for out of pocket without much trouble. The average physical exam costs in the area of $100.
Most agencies have policies that offer various deductibles, giving policy owners a few financial options. The amount of the annual deductible directly influences the premium costs associated with each health insurance for self-employed plan. The coverage may remain the same, but the monthly and yearly payments can vary. For example: plan may offer 80% coverage after a $2000 deductible for $350 per month; while another plan will offer the same 80% coverage after a $500 deductible for $475 per month. Deciding which method of payment works best is up to the enrollee.
The deductible is an annual amount, reset each year that must be paid up front before any coverage funds can be released to the hospital or physician performing the service. The health insurance for self employed premiums must be paid each month regardless of whether or not the enrollee incurs any medical expenses. Some people take the chance on not having to see a physician in order to save money on premiums. Others play it safe, and pay the higher premiums with the lower deductible. Each enrollee must make that decision based on their beliefs and their insurance needs budget allotment.
Christians seeking health insurance for self-employed people should carefully consider their particular needs for medical and health insurance coverage. Some Christians may feel that the purchase health insurance for self employed policies in general shows a lack of faith in God and His ability to protect them from physical ailment and disaster. The Bible encourages, if financially feasible, to prepare ahead of time for disaster and famine. "And let them gather all the food of those good years that come, and lay up corn under the hand of Pharaoh, and let them keep food in the cities. And that food shall be for store to the land against the seven years of famine, which shall be in the land of Egypt; that the land perish not through the famine." (Genesis 41:35-36) When studying the Bible, readers will discover that much of what it says applies to everyday life application.
Self-employed health insurance can be purchased for individuals or families who do not receive coverage through a job based group plan. Medical needs are a serious consideration among Americans today as rising health care costs and shrinking benefits continue to accelerate. There are approximately 24 million small business owners and their families who are totally without medical coverage. Those who are leaving employment that provides group coverage, or are currently working on their own, will want to consider the growing options for self-employed health care insurance.
Since the COBRA legislation was enacted in the mid 1980's, there has been some help for those leaving corporate America or those leaving other employment who may need coverage. COBRA allows an ex-employee the option of purchasing his or her existing policy and receiving individual coverage. This provides a safety net for those who need self-employed health insurance by providing a purchase option after employment for a limited time period. If an ex-employee does not wish to purchase the insurance, another self-employed health care insurance plan can be purchased.
Many of those who leave corporate America or other large employment companies are choosing to start their own businesses. Self-employed health care insurance is of major concern to them and their families and unfortunately, it is very expensive in many cases. Policyholders must keep in mind, however, that many people who are self-employed can receive tax relief with their purchase of this coverage. Those who no longer qualify for group health insurance in any way may be qualified to receive very helpful tax relief when purchasing self-employed health insurance. Other people, who aren't even employed, can purchase their own coverage through many new insurer programs.
Another way to keep premiums lower is to choose a policy that has a higher deductible. A higher self-employed health care insurance deductible will provide lower monthly premiums and policyholders can still receive catastrophic coverage as well as some basic preventive care benefits such as help with some annual exams and other needs. Those who are interested in purchasing coverage will find that many insurers offer free quotes and information. Self-employed health insurance is an important aspect for any small business or self-employed individual to consider. As with any major financial decision or investment, it is important to pray and allow every decision to glorify God. "Let all those that seek thee rejoice and be glad in thee: and let such as love thy salvation say continually, Let God be magnified." (Psalm 70:4)