One of the biggest debates going on in the country today is about the rising cost of healthcare, and the fact that so many of us are now unemployed and without insurance. Everyone says that there are affordable low cost medical insurance plans out there, but where are they? The President’s healthcare initiative plan will address this need, but a lot of it does not take effect until 2014, so what are individuals and families to do in the interim? This is an issue that needs a cleaner solution than what has been offered so far to be sure.
Finding And Keeping Affordable Low Cost Medical Insurance Plans
If you are employed, then you most likely already have affordable insurance plans available to you, and by all means keep them if you can. Should you become unemployed, you will find that those plans will be one of the first things to disappear, along with that paycheck. You will be offered the option of continuing with your current coverage, but you will find that it might be too expensive to continue. Instead of only paying a portion of the premium your employer paid to provide, you will now be carrying the entire premium on your own.
Before you decide to give up those plans, check out some of the alternatives first. COBRA plans will often charge up to three times your monthly premium to manage those plans for you, more if you have separate individual and family medical insurance plans. If you have no previous medical conditions being covered by your current affordable low cost health plans from your old employer, then you should be able to find more affordable policies elsewhere. Pre-existing conditions are the current bone of contention between the public and insurance companies today.
Looking For Individual And Family Medical Insurance Today
All of the major insurance companies today are willing to take on new clients, and make sure that everyone has the individual and family health plans they need. But at what price? There are not many policies out there currently that run under $100 a month for full coverage, and are all labeled affordable low cost medical insurance plans. That price per month can easily double, or triple, if you have a pre-existing condition. Even if that condition had been covered for years under your old policies, there is not much chance that it will be covered with policies today without costing more than it should. That is one of the issues the government healthcare changes are supposed to address, but that is still in the future to come.
It will take some considerable research to find affordable low cost insurance plans today that you can afford. Even state run plans cost something, so be prepared to do some major comparisons before finding one you can afford. The irony of the healthcare situation today is that pet medical insurance is now more affordable than insurance for other family members.
