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Posts tagged ‘private health insurance’


by James Tuck

4 Tips for Getting Family Health Insurance

1. The state insurance

State insurance has been set up for people who can’t afford to invest in a private policy and have no other options. Most of the time, the state will not make the parents pay any money for a co-pay but it really depends on the policy. If a person is under insured, the state will often pick up the rest of the tab that isn’t covered by the first insurance. The state has programs specifically set up for families, and pregnant women. Ideally, the state would like to be the second insurance behind a primary insurance. The state programs have been set up for people in need though, so it’s not an option for everyone.

2. Work insurance

Many companies will offer health benefits to the immediate family of an employee. In order for the spouse to get the health benefits, the couple has to be married. It doesn’t matter if the employee is male or female, the spouse is entitled to the same benefits once the couple is married. Although every health insurance company and employment company will do things a little bit differently. The kids are entitled to the company of their natural parents or their guardians. It doesn’t matter if the parents are married or not. Ultimately, the rules and regulations are up to the employment company. All the companies do not offer health benefits though, so this also may not be an option.

3. Private family health insurance

Sometimes, families choose to invest in a private health insurance company. Often times the premium of these polices are decently priced monthly payments for the head of the household. This is a good option for families who do not get insurance through their work but make too much money to get the state insurance. The companies that sell polices to certain companies will also sell polices to individual families, so these private health insurance companies are well known in the health insurance industry. These polices may not be an option for everyone because some people can’t afford the premiums but still make too much for the state insurance.

4. The factors of getting improved for private health insurance.

There are certain factors that are important to the health insurance industry when it comes to getting approved for private family health insurance. The age and overall health of the person at the time they apply are key to how much it will cost to get a policy. It’s highly recommended that people get family health insurance while they are healthy because it’s nearly impossible to get a decently priced policy when you are sick. Bad health can come unexpectedly such as a car accident; which is all the more reason to get good health insurance before you need it.


by Logan

Are You Choosing Not to Have Health Insurance?

Health Care and health insurance is a huge debate – both on national levels, state levels, and even in our own homes. The dilemma is present and the outcomes are even scarier. No matter what side you are on, hopefully you can see that not having health insurance can be a potentially huge problem.

Often health insurance is something that we take for granted. Of course, this isn’t in all cases. It appears to be especially true for college age students.  Is the reason for this availability or choice. Are more people loosing their jobs or is good coverage becoming too expensive.

A recent study came out and indicated that some 48 million Americans may be without health insurance. But not all of the cases are because of a lost job or unemployment. Some are by choice. Others site that individual health insurance is too expensive.

Without health insurance, large problems brew. With no insurance, you may skip out on that yearly exam or you may avoid getting treated for moderate pains, problems, or concerns. In the end, this only worsens your overall health.  In the long run, this could prove to be a vital problem.

The Commonwealth Fund provided the study of around two thousand individuals. 25% did not have any insurance and around 25% of those who didn’t have insurance have never had insurance. Another 30% or so indicated that they had lost their insurance from an employee sponsored insurance through cutting of jobs, benefits, or a complete loss of a job altogether

Some argue that no one is choosing to not have insurance

There are those who report that choosing not to have insurance and being unable to pay for it is vastly different. What do you think?

Could someone make enough money on paper, but have too much debt. It looks like they may be well off but really, they are struggling to stay afloat.

Common sense or your own history would make it difficult for you to believe that anyone would actively choose not to have insurance.  Ideas that they may be saving the money that they were going to use for insurance into a special account to use for doctor visits.  Are you money savey enough to save your money enough to have a real benefit from not getting insurance.

Remember back to your College years

I personally had tons of friends who choose not to waste their money when they were single on insurance. They had the invincibility shield on and believed that they would never need the insurance and so why pay for it.

The U.S. Department of Health and Human services estimated that in 2008 – 44 percent  of those uninsured were between the ages of 18 and 34.  Their belief that a good portion of these people believed that they were immune to sickness.  In half of these cases, the individual could pay for individual insurance.

But many of those, who choose not to have insurance while single and a student, once married, are strong supports for health insurance. When a family comes into play, a lot of things change.

Overall

Health Insurance is a very tricky issue to deal with.  Without a doubt, there are those who need insurance who can’t get it. This could be a variety of reasons, and the most basic, is that they haven’t taken enough time to search through and find a individual coverage that suits them.

Others have recently lost their job or are in-between jobs. Another good proportion of people, their companies no longer offer this benefit. That would be so hard, to previously have had insurance, to have not lost your job, but are no longer able to have insurance through your employer.

But at the same time, for whatever reason, there are those who are actively choosing not to have insurance. They may see someone else forcing them to have insurance as a bad thing.

The one thing that we know for sure, not having insurance is a horrible thing. You may think that you are invincible but one day, something may happen. By not having insurance, you could be setting yourself up for a life full of financial misery. 

Take the time and find an insurance that is right for you.