It can be hard to find affordable, low cost health insurance, but if you slow down and take your time you can find a health insurance policy that will offer you the coverage you need at a price you can afford to pay. But it will take careful research.
One of the first things you need to do is take a serious look at your budget. After you pay your bills and any essentials how much will you have left to pay for health insurance premiums. You really need to look for a health insurance policy that you can afford.
Just follow the below steps and you soon find a policy that you can afford.
Take a good hard long look at your budget. You need to know what you have left after you pay your monthly bills and be sure you set aside money for any essentials like gas for your vehicle, food, lunch expenses, and any other regular weekly or monthly bills your going to have to pay. Be sure to be honest with yourself and write down all your expenses.
Once you have all your budget worked out you should be able to come up with an ideal of how much you can afford to pay on a regular weekly or monthly basis for your insurance premium. Be sure to take a look at all your options. Is health insurance available from your employer or your spouses employer. You will find that if you can take part in a group policy that the premiums will always be lower.
If you can't take part in a group policy consider calling your local department of social services and ask them if they know of a low cost alternative for you. Some states have an affordable program that you may be able to take advantage of. Check to see if your state has a program like this.
If nothing else is available you need to do research into what low cost health insurance policies may be available to you. Use the yellow pages and let your fingers do the walking. Call several companies and ask for suggestions. Tell them you need a low cost policy and ask what policies they recommend to you.Ideally you want a policy with the lowest deductible possible and be sure to check your policy out carefully to know if it will cover pre-existing conditions.
Be sure to take careful notes and pay careful attention to the costs and make note of this.You want to find a policy that you can afford and you need a policy that is not going to charge you a huge deductible. If the deductible is to high it is really not going to help you.You really need to be aware of what your policy is going to cover and what it is not going to cover. Write down any questions you may have and ask them before you leave your insurance agent's office. Be sure that you know and understand everything fully so that you are not hit with surprises later.
To summarize it's important to make notes while you're doing your research into a low cost health insurance policy. Be sure that you know and understand your policy completely. You must know in advance what your insurance company is going to pay for and what it is not. If you have any doubts at all ask questions.
If you don't have insurance then you need to check out the Survival Guide For The Uninsured that I have written. Be sure to check it out through the below link.