When it comes to looking for cheap health insurance you have to take into account the policies of each company. Read carefully what is included and what is not in the insurance. This way, you can know if it can really be useful in the event of an unforeseen event. There are some people who decide not to have health insurance but if they are affected by an illness, the hospital costs can carry a great debt for their family. Here we will tell you about some services that can be useful if you are looking to protect your health.
How can you get a cheap health insurance?
It may seem impossible, but they do exist. The United States government offers Medicaid. A service that is offered for those people who have less economic resources.
“To opt for insurance, you must be at 133 percent and 200 percent of the federal poverty level (FPL).”Medicaid
Also, cheap health insurance is a program that has been offered since 2015 and it stills working. Currently, the Trump administration offers this insurance a short-term coverage policy for 12 months.
But it only offers medical services to the diseases or conditions that you have had during those 12 months. If you have a previous medical condition, the policy will not cover it.
How much does health insurance cost?
If you don’t meet the requirements for a subsidised policy or you already have a diagnosed illness, then you can look for cheap insurance companies.
The data recorded by AARP indicates that the small family coverage is $ 1,520 per month. While for a cheaper individual policy it is between $ 388 per month.
3 cheap health insurance
When looking for cheap health insurance, there may be some companies that have low prices. But it’s important to read carefully the scope of the coverage they offer.
The cheapest option, it wont have many benefits. But if it’s a matter of prioritising: hospitalisation services, emergency care and accidental injuries, will be the main thing that the insurance you choose must have. Here we tell you about three companies that offer cheap coverage.
Close Care is Cigna Global’s lowest plan. Here you will have coverage of $ 500,000 during the year and a condition limit $ 250,000. It offers hospitalization coverage, semi-private room and care for cancer patients.
You have an ambulatory and dental services. Besides, in all its coverage offers hospital treatment, mental health treatment, opt for a deductible, payment of fees to doctors and specialists.
The level of Close Care coverage it offers is small. When requesting your quote, consult those services that are not covered by insurance.
Blue Cross Blue Shield is one of the cheapest insurances in the US. It even offers global coverage. So that you stay protected even when you leave the country.
Also, you can find discounts on some products and services just for being a member of this insurance. Some of the categories you will find are: healthy food, sports activities, personal care, wellness, lifestyle.
On the information of the insurance fees, they can be very variable. So, you must communicate directly with their advisers and request a quote according to the state where you live.
Bronze Essential Care is Ambetter’s basic plan. The monthly price is quite low, however, when using it you will have to incorporate a fairly high deductible.
Some of the coverage it offers are:
- Emergency care.
- Outpatient service.
- Child care.
- Maternity care.
- Prescription drugs.
- Mental care and substance abuse services.
Despite having a very cheap service, Bronze may not be as convenient if you have to pay a high deductible when using it. You could also opt for the Silver plan that offers up to 50% of medical expenses to be covered.
If you need insurance, you can make a request for a quote from their website. These companies also offer telephonic consulting if you prefer to speak directly with one of their advisers. Don’t forget to ask about the restrictions of each plan before deciding to pay for it. So, you will find cheap health insurance that are more convenient.