How to Get Free Health Insurance Coverage

How to Get Free Health Insurance Coverage






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How to Get Free Health Insurance Coverage

Many people may consider it a socialist practice to offer free health insurance for those who need it. But for millions of Americans, necessary health care is not possible because they cannot afford to purchase expensive private plan, they have a pre-existing condition and don’t qualify, or they don’t have a job that offers a health insurance plan.  You can find places that offer free health insurance, many of which are state funded or community based. 

Instructions




1

Go to the Health Resources and Services Administration’s (HRSA) website. They operate through the Department of Health and Human Service. There are a list of 192 “Hill-Burton” Facilities who are OBLIGATED to provide free or low-cost health care. You can find one that’s in your city. 

2

Check your state’s department of health website. They will have a list of programs or referrals to where you can get free or low cost health care. Some programs, you may be placed on a waiting list after you qualify. Qualification is usually in the form of making sure your fall below the poverty line in terms of your income and the number of people in your family. 

3

Check to see if you qualify for Medicaid.  This is a federal program that helps give you health care if you can’t afford it. You also have to qualify by filling out information about your income and the amount of people in your household. 

4

Children are usually covered under your states “Children’s Health Insurance Program” or CHIP. You may have to pay a small fee for co pays but for the most part it is affordable. Ask your state’s department of health for information on how to cover your child. 

5

Go to city or state hospitals and ask them if they have a “free care” program. Some city or state hospitals have “fee care” programs for people who cannot afford to pay. You usually have to give the hospital all of your information, including your income. You will them be given an hospital card where your service are tracked. Your services are free as long as you use the doctors in that particular hospital. 

6

Look into health and community centers. Many of them will offer free health and dental care. You many have to qualify by providing your income and salary information. 

7

Look in to religious based hospitals and clinics. They will many times offer free health care to those who cannot afford it. 

Tips & Warnings

You shouldn’t have to pay anyone to help your find free health insurance so do not fall for anyone asking you to pay for this service.

Make sure you have all your financial records in order, you will need them.

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The Health Reform Law Enables Millions of Uninsured Americans to Purchase Health Insurance Through Exchanges

One of the major goals of the Health Reform Law that President Obama signed in March, 2010, was to facilitate accessible and affordable insurance to all Americans. Currently, most Americans working for large corporations will receive a health insurance plan as a benefits option when they are employed. Working with large numbers, the large corporations are able to pull out lower premiums for their employees. Most employees of large corporations find these premium payments affordable and participate. Not so with self-employed individuals or small businesses. They do not have the numbers to get the discounts of larger organizations. For this reason, many individuals and small business owners and employees are medically uninsured.

In the United States, the traditional provider of health insurance has been businesses. Seen as the primary cause of health problems, business was called to provide insurance to employees as early as the days of Teddy Roosevelt. Although business is not the primary cause of human illness (it was so perceived at a time when capitalism was being blamed for everything), business has shouldered the responsibility, viewing it as one of those requirements for doing business in the U.S. that can’t be avoided and that could have positive side-effects for the business that insures its people. For one thing, health insurance benefits are a powerful recruitment incentive for those valuable employees that no business can do without. This attraction is quite doable for large corporations, but small businesses, not having the numbers to command lower premiums for their employees, are left out in the cold. They cannot attract those valuable employees because they can’t provide affordable insurance.

While the Health Reform Law doesn’t aim to make small businesses more competitive with bigger businesses, by providing a way for small businesses to get insurance for their employees at near the same prices big corporations can, the law has given a boost to small business employee recruitment. The intent to create exchanges for health insurance will enable small business to join together in an exchange and so increase their numbers, thereby qualifying an exchange to receive the discounts larger corporations now receive.

President Obama has assured the American public that these exchanges will be built throughout the country. In these exchanges, various health care insurance providers will offer their products at rates only the big corporations are used to seeing. These exchanges will be health care insurance ‘marketplaces’. Small businesses won’t be forced to take a ‘one size fits all’ type of plan, but plans that best suit the individual business environment, and its employees. Small business will be further encouraged to purchase health insurance for their employees, with tax incentives that should, combined with low exchange rates, enable all small businesses to provide insurance to their employees at rates comparable to those the big corporations offer.

These exchanges will not only benefit the small business, but the also self-employed individuals. These individuals are currently the largest uninsured group among working people, simply because a single individual has to pay more for medical insurance than a group. Now, self-employed individuals can team up with other self-employed individuals and small businesses to get the low cost, comprehensive insurance the corporate worker now enjoys.

Don’t expect to purchase health insurance tomorrow from one of these exchanges. It will take time to get them going. Don’t wait to purchase health insurance until the exchanges come. Purchase health insurance now – you may need it. When exchanges take effect, then you’ll be able to purchase health insurance at affordable prices.

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Low Cost Health Insurance Basics Explained – Why You Need Health Insurance

Article by Helen Hecker

Many people find they’re rarely sick or have never been hospitalized or had any kind of serious illness. This is good but can give one a false sense of security. There is always the possibility of coming down with an appendicitis attack, breaking a leg or getting into a serious auto accident that’s not your fault, no matter how careful you are. Medical costs and hospitalization along with any medications or drugs can be considerable. Getting some affordable or low cost health insurance can give you the assurance and insurance you need to lessen any worries.

If you start looking at different health insurance programs and getting some insurance quotes you will find that coverage can be quite different from policy to policy or plan to plan. One insurance company may want a high monthly payment in order to cover you. Other insurance companies may want you to pay a hefty co-pay or deductible if you’re hospitalized. One may stop looking for health insurance after just one quote that is high and that’s a mistake. There are many low cost health insurance programs and you can get several quotes at one time. More on this later.

If you don’t have health insurance and the unthinkable happens– accident or necessity for surgery and/or hospitalization this can take big dent out of any savings you have or if you don’t have savings can leave you with big bills.

If you have children you may find it very stressful because parents will forgo their own treatment but do everything possible to get treatment and help for a child. Nothing can be worse than not being able to get the help you need and you don’t want to worry about how much it’s going to cost you.

Low cost health insurance is available from many companies. Getting free online quotes from the company that lets you submit the information in minutes and it goes to several insurance companies– that’s the fastest and easiest way to find low cost insurance. The costs for your insurance is going to be not only the monthly premium but you want to take into account the co-pays and deductibles too. So if you’re trying to get quotes one at a time make sure to compare all of these and compare the coverage closely for each. You can forgo maternity coverage if you don’t need it and there may be several other items you can exclude too. Otherwise getting your free online quotes from several health insurance companies at once makes sense.

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Reaching Your Goal of Low Cost Health Insurance

Article by Todd Erwin

When trying to determine the right low cost Medical Insurance for yourself it may be beneficial for you to compare various Low Cost Health Insurance plans while doing so. There are several questions that the individual will need to ask themselves when searching for a health insurance, such as what are my basic wants and needs.

Knowing that you are getting the best Low Cost medical Insurance is what comparing Medical Insurance online is all about. You want to know you are getting the best possible care available.

When individuals are looking to start a quest in comparing Low Cost Insurance then they should definitely consider beginning their quest with the Internet. It is no secret that the Internet will offer them the perfect outlet with the information that they will need to find the right answers to complete this task.

Through the use of the Internet, a variety of Medical Insurance Companies can be accessed at one time in which an individual can compare the quotes of Low Cost Health Insurance. This process would be incredibly long without the use of the Internet, but with the aid of the Internet this entire process has been made much easier with the simple click of your mouse.

Using the Internet does help individuals to save precious time that would can be used doing other things besides looking for Low Cost Health Insurance. Luckily, several Medial Insurance Companies now have their own websites where individuals have the capability to ask questions concerning health care as well as get health quotes instantly.

Having the ability to talk to someone at one of these Medical Insurance websites twenty-four hours a day can be beneficial to any individual searching for health insurance. However, many individuals fail to see that even though the benefits might be the same from various quotes the prices are often very different.

By comparing Low Cost Health Insurance individuals are sure to get a much better price on their Medical Insurance. By gathering health insurance quotes personally, which means traveling from insurance firm to insurance firm, individuals will consume quite a lot of their valuable time.

The various rates from Medical Insurance Companies can also be given to you by your family and friends who also have Low Cost Health Insurance. Once you have taken the time to compare quotes from various Medical Insurance Companies, then it is time to make your final decision, but a number of things must be considered prior to making this vital decision.

Begin by comparing the various Low Cost Health Insurance quotes that you have gathered during your research. You will want a plan that meets your needs and that you can afford. Things that might need to be considered are your habits, age, lifestyle, and your future.

Purchasing Medical Insurance for an entire family can be an expensive expenditure, but you need to be sure that the needs of each family member are met. However, the healthier you and your family are, then the cheaper your premiums will be.

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