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.

Factors To Consider When You Get Health Insurance

If you were to come down with a sickness or have an accident without health insurance you may find yourself unable to receive treatment or even in debt to the hospital. Thankfully, many employers provide health insurance benefits to full-time and even some part-time employees. If you do not currently have health insurance coverage, this is the first place to check as it will generally be the most affordable. If you are married, you may both be able to receive coverage under your employers plans.

If your employer does not offer health insurance or you are self-employed you still need it. While it may not be cheap, the fact remains; what do you have if you dont have your health? Even a basic hospital bill without insurance can run into lakhs of rupees. It isnt worth risking financial ruin to save a few bucks on a health insurance premium.

Why Do I Need Health Insurance?

It is important to get health insurance for yourself and members of your immediate family. Insurance helps to protect you from high health care costs, especially those related to chronic medical conditions or the need for hospitalization. You should get it for the same reason that you have auto insurance or homeowners insurance – to protect your savings and income.

How Do I Get Health Insurance?

Depending on your age, job status, and financial condition, there are many ways that you can get health insurance, including:

Health insurance provided by an employer
Most companies provide health insurance as an employee benefit. You may be required to pay some portion of the monthly premium.

Health insurance that you purchase on your own
If you are self-employed or work for a small company that does not provide health insurance, you will need to buy it on your own.
If you have inadequate or no health insurance, you will be responsible for paying all your health care bills. Your community may have a free clinic or community health center that will provide healthcare services free of charge or at a reduced fee.

How Do I Choose a Health Plan?

There are many factors to consider when choosing health insurance. These factors may be different if you are choosing one of several employer health plan options or buying your own.

Compare quotes online. Find out what you require in terms of coverage and look for the best quotes available in the market. Research will help you get an affordable quote with optimal coverage.

Bad Health Insurance Claim

Bad faith insurance is any matter concerning an insurance claim by an insured individual that is wrongfully denied by the insurance company. An insurance policy is considered a contract between you and your insurance carrier. This contract requires that your insurance company acts in good faith toward you. When an insurance company unfairly denies the benefits of the policy from its insured policy holders, it is considered to be in bad faith.

There are numerous examples of how an insurance company can commit bad faith, they include: failing to promptly and methodically examine a claim; unjustly delaying payment; unreasonably refusing benefits to a claim; using unreasonable interpretations in translating policy language; and refusing to settle the case or refund you for the entirety of your loss. Insurance Bad faith constitutes not only breach of your insurance policy contract with your policy holder but also includes injuries personally sustained outside of the insurance contract.

If such a violation exceeds that of being unreasonable and is established to be false, misleading or fraudulent, a judgment can be attained and punitive damages honored exceeding damages for the loss under the policy as punishment for bad faith.

Bad faith insurance practices are also found in the HMOs & Managed Care Organizations; Homeowners Insurance and Disability Insurance arenas.

If your insurance company has denied your claim, please fill out the form at the right for a free case evaluation by a qualified insurance claim denial attorney.

Lawsuits can be brought against health insurers for acts that are believed to not be in the best interest of consumers or actions that are believed to violate public policy such as denying a claim. Insurers can act in bad faith by failing to fulfill the obligations of a health insurer. This can include not properly examining a claim, not promptly making payments for valid claims and unfairly interpreting a health insurance policy to avoid paying a claim.

Frank N Darras is one of the leading lawyers in America; if you have got any Insurance Claim Advice come to us as we protect policy holders, athletes, seniors, individual, large corporations.