The cost of health care coverage varies widely from one provider to the next. You have several choices for finding affordable health insurance if you are self-employed, if you are unemployed, or if you just have low income. Some may offer you a better deal than others on your health coverage. The trick to finding low cost health care is taking your time to compare a variety of plans before making a decision. You should always take into consideration your current health status as well as age before deciding to go with a particular health plan. There is no doubt that if your health status is poor, you will have to pay more on your health insurance plan than someone in better health.
Even if you do not have Medicare, there are ways to find low-cost health cover. If you are still young and healthy, you may qualify for government sponsored health programs, such as Medigap and Medicaid. If you qualify, you may also want to consider supplemental insurance to cover any unforeseen medical expenses. For instance, many people do not think they will need regular hospital visits, but someone over the age of 65 who is receiving chemotherapy often needs to be in the hospital for treatment. In these cases, having the right policy in place can make the difference between having a large hospital bill and being able to pay it down.
Health/Medical Care
Finding health insurance for unemployed individuals is also relatively easy. Many employers provide medical insurance to their employees, and you may not even have to enroll in a plan when you leave. This means that you will be able to keep coverage even after losing your job.
Some employers may provide their employees with a short-term medical plan that is available to them while they are unemployed. For example, some companies offer group coverage that can last up to six months. During this time, you will either have access to traditional Medicare benefits or to a Medicare Part D program. The difference is that Medicare benefits are guaranteed to pay the entire cost of medications and any surgical procedures, while Medicare Part D pays a percentage of the cost of medications and the costs of certain surgical procedures.
Additional Options Available
Another affordable option for out-of-pocket expenses for unemployed individuals is a managed care group health plan. Unlike Medicare, there are no deductibles or restrictions on the medications that you can take. You pay the same amount every month whether you are taking a medication or waiting to see a doctor. However, it is important to note that this type of plan does not cover any dental costs.
Finding affordable healthcare for unemployed individuals is simple when you know where to look. If you are unemployed, you should contact the Department of Health and Human Services (HHS) to find programs that are designed specifically for people who are struggling to make ends meet. In addition, an unemployment counseling service can provide you with information on approved healthcare providers in your area. Once you find a healthcare provider that you are happy with, you can get started on paying your affordable premiums each month so that you have peace of mind knowing that your healthcare needs are being met.
