How Much Does Health Insurance Cost Per Month

For many non-insured people, the question of how much does a health insurance policy cost today can make or break their decision to pick a plan. It must be emphasized that insurance is a necessity in our times especially with the rising costs of health care.

Even if you have to take the cheapest plan with basic coverage, take it for indeed it is better to have health insurance to help shoulder the costs of medical care than to have no protection at all. Besides, many factors will affect the cost of your insurance plan such that you might be persuaded to think that indeed the premiums you pay are worth every penny.

Factors Affecting Costs

Health insurance plans are not islands unto themselves. Just like other aspects of modern life, it is dependent on varying degrees on the economic and political environment as well as on the applicant’s personal circumstances and preferences.

On one hand, economic and political factors include use of insurance plans amongst people and advances in medical science and medical technology. As modern medicine finds newer and better ways to prolong the lives of human beings, insurance costs will rise to meet the consumer demand. And with the proposed health care reform, we may see a shift towards greater burden on consumers of insurance plans.

On the other hand, personal circumstances will also affect the cost of the insurance policy. These personal factors will include:

– Age – As you age, your premiums will increase.

– Gender – Women will pay for higher premiums than their male counterparts

– Medical history – Your past and present health can either swing the favor of premiums for or against you.

– Lifestyle choices – Alcohol consumption, smoking habits, use of street drugs and obesity will affect the costs of the plan

– Place of residence – Each state has its own insurance laws especially where coverage and caps are concerned

– Types of plan preferred – Comprehensive plans are more expensive to pay for than scheduled benefits plans. Fee-for-service plans, preferred provider organizations, point-of-service plans and health maintenance organizations all have their costs.

The insurance company will evaluate all these factors before providing you with a quote.

Actual Costs

As can be expected, each individual’s insurance quotes will vary depending on the personal factors. If the 2008 figures for the United States is the basis, an average individual will spend around $5,000 while an average family of four will spend up to $18,000 on health insurance policies per annum.

Unfortunately, health insurance rates now cost more than compact cars. However, you have to remember that a compact car will not provide financial protection in times of medical emergencies, unlike the health insurance policy.

It cannot be denied that health insurance costs are on the slight rise. You may grumble about it but the fact still remains that health insurance is an essential part of modern life.

Dental Insurance Helps to Keep the Dental Health Secured

Dental health is to be kept secured for a better health. Though widely ignored yet teeth is one of the most important organs in human body to keep the overall health secured. There is low cost dental insurance to be availed by anyone with a little cost. It is far lower than having a car insurance, theft insurance etc yet much more useful, in time. So, it is better to find a suitable dental health insurance in time. For a better reference or to find any of the most affordable and useful dental insurance please make a visit to lowcostdentalinsuranceus.com.

People often knowingly and unknowingly ignore oral health and that is why they do not wash the mouth after taking fast foods. Dental health insurance shows its true color in a real situation. It may be a good manner in civilized countries to wipe the lip and face with napkins after having dinner or lunch. One must remember that without washing the inside of mouth gushing clean water and gargling, the inside remains vulnerable to germ attack. So, it is always the best option to clean inside of mouth after taking any kind of meal and having a dental health insurance in time. Especially at the time of having any animal protein like, beef, pork, meat etc, the fiber remains stuck inside the mouth between teeth and on gums. These fibers decompose there, just like muscles of dead body decompose. Awful, yet true, the same process happens within mouth over those fibers, causing the germs to grow. Unfortunately, besides decomposing the stuck fibers these germs also infect the gums. If gum gets infected automatically the teeth on it get affected. When the entire process takes place, man feels little pain on gum or little necessity to get dental health insurance, or rather tend to ignore the pain by taking a painkiller at such preliminary state, exactly, showing the same manner they tend to ignore low cost dental insurance. It goes out of hand for such ignorance leaving no option but to uproot the tooth to save one from painful infection. The pain causes so agony that even liquid food sometimes become difficult to be taken.

So, it is wise to go for a treatment when there is the option left for availing one a dental health insurance then really matters. No need to worry about the cost because low cost dental insurance gives the soothing of getting expensive dental treatment done in little cost. A low cost dental insurance requires premiums of little amount even when the full coverage of all tooth related problems can be availed. In fire, or theft insurance the accidents or incidents can be averted by practicing a little amount of reasonable care. But, teeth problem even may take place after washing mouth every day. Most of the people who seek dental treatment are found to have used any of the market renowned toothpaste since long years. So, one does not know when the dental problem, would arrive so, better to avail a low cost dental insurance when the situation is in hand.

The affordable dental insurance plans have helped common people to a large extent when they need money for their dental care; these insurance plans from the lowcostdentalinsuranceus.com provide huge support in the dental costs of the common people.

How to Get an Affordable Health Insurance Quote if You’re Self Employed

Getting an affordable health quote if you’re self employed can be a real hassle. However you can find affordable rates if you know where to look and how to structure your insurance. Here’s how …

An Affordable Health Insurance Plan

The first thing you need to do is figure out what type of plan will best suit your needs. There are four basic plans to consider:

1. FFS (Fee-For-Service) plans, also known as indemnity plans, are the most expensive health insurance plans and involve the most paperwork. With these plans you can choose your own doctor and your own hospital. Deductibles average $500 to $1,000 and you’ll be responsible for 20% of the bill.

2. HMO (Health Maintenance Organization) plans are the least expensive and the least flexible health insurance plans. HMOs provide you with a network of doctors which you must see. You’ll be required to pay a small copayment, usually $5 to $15 for each doctor visit, and you need permission from your plan’s primary care physician to see an in-network specialist.

3. PPO (Preferred Provider Organization) plans cost slightly more than HMOs but are more flexible. Copayments are about the same as an HMO’s, and you’re allowed to see a network specialist without your primary physician’s permission. If you see a non-network specialist you may have to pay the entire bill, pay the difference between network charges and what the specialist charges, or pay a deductible.

4. POS (Point-Of-Service) plans cost more than PPOs and less than FFSs, and are a combination of the two plans. These plans provide you with a network of physicians who will treat you. Your copayment is about the same as that of a PPO, but you can see a non-network physician and the plan will reimburse him or her.

Getting an Affordable Quote

In the good ol’ days, prior to the Internet, you could spend half your life visiting local insurance companies or calling insurance agents on the phone to get health insurance quotes. Now, thanks to the Internet, getting quotes is a piece of cake.

You can go to an insurance comparison website, fill out a single questionnaire, and get quotes from different companies. Some of the better sites even have an insurance expert who will answer all your health insurance questions online. (See link below,)

Visit or click on the following link to get affordable health insurance quotes from top-rated companies in your area and see how much you can save. You can get more health insurance tips by checking out their “Articles” section.

The author, Brian Stevens, is a former insurance agent and financial consultant who has written numerous articles on affordable health insurance for the self-employed.

Reviewing Your Health Insurance For The Coming Year

In addition to being one of the best choices around, employer based health care is also some of the cheapest individual insurance coverage an employee can find. This is why it is important to reevaluate your policy every year, rather than just paying attention only to the price, reenlist the policy and move on to the next important decision. If you notice changes, it will be apparent that each year the more and more limits are being added, while the rate continue a spiral climb and what is and is not covered will also change. The danger of complacency is that some of these changes can really have a negative effect unless you make adjustments for the changes.

During the enrollment period for your insurance you really need to take the time to look over the information for the coming year to determine the policy that will best meet your needs and budget. It is not a good idea to assume that maintaining the same level of coverage year after year is the best option for you. As a matter of fact you may just find that by doing this you are paying more than you anticipate and getting a lot less.

Many changes that are made to these policies each year may seem slight or insignificant but even if they just change the wording of your insurance documents a little bit it can result in a big out of pocket expense for you. When it comes to renewing your insurance policy you will need to look it over carefully and compare to last years benefits in order to really acknowledge the changes that are occurring.

Regardless of the decision you make concerning your health insurance policy renewal, it is really important to understand what you are buying before you sign and pay for the coming year. Gone are the days that smart policy holders allow anything to continue into the new year without being checked. It is also wise to start saving money for health care related expenses now, so that any unexpected issues will not leave you in a sea of financial despair.

Laying all opinions aside, the employer based insurance is your best option for insuring yourself and family members. Unless you take the time and read as well as understand the changes if any, you will be better prepared to adjust your choices and get the biggest benefits bang for your buck, especially keeping a close watch or your out of pocket expenses.

You too could discover that Hmo insurance is the most affordable plan for your family. It is no problem to get needed info about about Student health insurance by looking online.

Will Texas Health Insurance Provide Coverage On Both Sides Of The Border

With large numbers of immigrants and tourists regularly moving between Mexico and Texas, Governor Rick Perry began talking about a bi-national health insurance plan for Texas in August 2001. Perry said, “The effort to combat disease and illness requires greater cooperative efforts between our two nations.? Years later in cut-throat political campaigns, that has become an issue regardless of how it might improve health stats in a state that lags behind the rest of the country.

The plan was never meant to merge the health systems of Texas and Mexico. It would allow private health insurance companies to provide coverage to both Mexican and U.S. citizens living within 62 miles of the borders. According to a report from the Texas State Senate, 26 percent of the state’s population needs health coverage and the need is greatest along the border. Texas has the largest percentage of uninsured of all the states.

A study was prepared to evaluate the feasibility of a bi-national system, but no legislative attempts were made to overcome numerous barriers. The idea may not go any farther this time.

Texas Health Insurance Premiums Did Not Track Malpractice Premiums

Another study has shed new light on how the 2003 limits on damages in medical malpractice cases have impacted Texas health insurance. The group Public Citizen released a report showing that both health care costs and Texas health insurance premiums have risen since tort reform, and premiums are rising at a higher rate that the national average.

Texas’ malpractice legislation didn’t limit economic damages in medical malpractice suits, but it did limit damages for pain and suffering to $250,000 per provider up to a maximum of $750,000 total. Medical malpractice insurance premiums did drop dramatically, so why weren’t the savings passed back to patients?

Medical malpractice payments fell by 65 percent from 2003 until 2010. The state’s biggest malpractice insurer dropped premiums by 50 percent over that period.

Health Insurance For Texas Has Expanded Coverage

There has been some good news. Federal health care reform required TX health insurance plans to pay for preventive health care through network providers without charging policyholders anything. That means co-insurance or co-pays and you don’t need to meet a deductible before preventive care is covered.

Since this preventive care is covered even before you meet a plan’s deductible, any high-deductible plans will provide that coverage. That includes the very highest-deductible policies, which have the lowest premiums.

The preventive care services include Immunizations and screening procedures for the most common diseases that can lead to premature death, such as cancer, diabetes and heart disease. That kind of care is available with no out-of-pocket costs from providers in the plan’s network of doctors.

Finding a high-deductible plan with an affordable premium may take some research, though. Insurance companies charge different premiums for similar plans, so compare prices and coverage just you would when shopping for any major investment. The future of TX health insurance is still unknown, but policies purchased after reform do cover more.