Affordable Medical Insurance
Many Americans are uninsured in this day and age (approximately 47 million); others are underinsured and this may be because the quest for affordable medical insurance seems nearly impossible. The uninsured aren’t only the poor anymore, it’s the average working person and the debt caused by medical bills are on the rise more than ever, causing more personal bankruptcies. With this realization, more opportunities are being created in the near future to help U.S. citizens qualify for affordable health insurance.
Affordable Health Care Options
Medicaid is a great way to get insured. It’s not only for those that aren’t working. It’s free and available to low-income families. The state in which you live determines your eligibility. If you are a single parent, this is a great option for you. You are able apply for only your child(ren), so that they can have coverage in case they become sick.
Medicare is similar to Medicaid, but is for those 65 years of age and older. It’s provided by the government and is administered by the Social Security Administration. Social Security disability benefits may also be available if you qualify.
Group Insurance from Organization Members
This is a great affordable health insurance option for members of specific organizations that offer health insurance coverage. These organizations don’t usually help pay for premiums like employers, but the rates are still much more affordable because of the group discount. It’s a great idea compare and search out organizations that fit your interest and check if they offer group health insurance as a benefit of joining. You may also already have group health insurance through membership that you already have in an organization.
Discount Cards
Discounts cards usually don't involve insurance companies, but they're a great way to get discounts on medical services without the extra expenses and high premiums associated with insurance policies. Usually, you pay a small monthly fee and receive a discount card in the mail that can be used at doctors' offices, pharmacies, chiropractors, specialists, optometrists, and other health care facilities.