Health Insurance Options

Here is an article I found about various options on health insurance:

Title: Health Insurance Options

Author: Stacey Zimmerman

Article:
Copyright 2006 Stacey Zimmerman

Health insurance is one of the most important types of insurance
available for American consumers. There are a variety of options
available when choosing health insurance, however, the main
purpose of health insurance is to provide the "insured" with
financial coverage that will help pay for the cost of care
during thee sickness. Health insurance may also cover things
such as hospital beds, lab tests, medicine, surgeries, x-rays,
and more. Health Insurance will pay the cost of medical expenses
due to sickness, illnesses, accidents, and childbirth. Each
health insurance policy is different and it is recommended to
determine what types of services will be covered when choosing
and comparing health insurance plans. The most common type of
Health Insurance is Private Sector Health Insurance. Health
Insurance varies from life insurance in a few ways. First,
health insurance is purchased annually, and there is no
guarantee that premium costs will not rise with each renewal
policy.

Before you can qualify for medical insurance, you will more than
likely need to undergo a series of routine tests. These tests
will screen out any underlying conditions that may require you
to need more medical services. Based upon the results of the
tests, you may or may not qualify for medical insurance.
Unfortunately, many today are facing life without any insurance
at all. There are many plans available and many different
service providers and brokers that offer a wide variety of
health care coverage to qualified individuals. For those who
cannot afford to pay the premium cost of health insurance, they
may qualify to receive government insurance through their state.
The two programs run by the United States government are
Medicare and Medicaid. Some local counties may also offer free
healthcare to uninsured people through programs that are either
federally funded or working on grant monies.

Many people are discovering that they cannot afford the premium
price of the healthcare plans that are offered by their place of
employment. This does not mean that they have no options
available. The first step in determining whether you can afford
your company's health care insurance is to speak with your Human
Resource department and see if there is a plan that they offer
that meets your needs. You also have the option of researching a
number of insurance brokers and agents online. This is a great
way to find a free quote and get in touch with different brokers
easily. By simply filling out a small questionnaire over the
Internet, you will then receive a return phone call by brokers
or agents who are interested in signing you to a policy.

Finally, it is important that you choose your health insurance
plan carefully. Your plan is a legal binding contract and you
have many rights to medical services and covered costs once you
enter into this agreement. You should know your rights and
understand the terms of your policy plan. Since most people
agree that quality health insurance is the most important
benefit that companies offer their employees it is necessary
that you take the time to read the literature that pertains to
your policy plan.

About the author:
Stace Zimmerman is the owner of the insurance quote site
http://www.freeinsurancequotes.us . He is the author of many
articles on all types insurance, including health, life, auto,
home car & long term care insurance. Visit his site for lots of
insurance articles.


Ivan Brown
www.healthcarewebguide.com