Cheap private health insurance - Low Income Health Insurance

The cost of receiving medical treatment is on the rise, but unfortunately there are many families who cannot afford health insurance or miss a premium payment causing a lapse in there health insurance. Some people are lucky and have their employers provide health insurance for them, but if you are unemployed or do not work for a company that provides health insurance, you may not be able to afford the monthly premiums.

Many of the people who do not have health insurance are the ones who really need it. States do have insurance programs that you can apply for, but you must meet certain requirements such as be below a certain income level based on the number of people in your household, be disabled, be pregnant, and other factors.

To obtain help in getting low cost medical insurance you should get in touch with an independent insurance agent that deals in health insurance to see what type of insurance benefits are available for low home income families. These agents will help you try to find health insurance that you can afford. For other health insurance information you could also contact your state insurance department.

Some of the various options for low income cheap private health insurance include:

Medicaid or Medicare Health Insurance Policy?these health insurance policies are financed by the state and federal governments equally. The ones who can apply for these programs are individuals who are low income, senior citizens over sixty-five years of age, and children. There are eligibility criteria for either of these two programs. You do have to be aUnited States citizen and your assets and income have to be below a certain level.

A health care savings account?when you choose this type of health insurance plan, you save money in an account to be used for health care. A certain amount will go into this health savings account and the money in this account is used for prescriptions, doctor?s visits, medicines bought over-the-counter, and more.

A mini medical insurance plan?this type of health insurance has lower monthly premiums that regular health insurance.

Low cost health insurance companies?there are some companies that will provide health insurance for low income families, but the drawback with these types of health insurance packages is that they will not pay for a regular check-up and other benefits of a regular health insurance package. This package will pay for a major illness or an accident.

These are just some of the various health insurance packages that are offered for families with low income.

Source: http://minsmind.com/low-income-health-insurance/

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