affordable health insurance

Consumer Guide to Affordable Health Insurance

Contents: Health Care and Insurance, Companies and Free Online Quote 

Long Term Health Care and Insurance

One important aspect of financial planning is to consider getting long-term health care protection or health insurance. You might want to consider getting affordable health insurance for yourself, disabled children, or your aging parents.

Medicare is the federal government sponsored health insurance coverage for people over 65 years old. This is an individual coverage so you will need to get personal insurance for your younger husband or wife and your children.

For chronic illnesses or long term disability not covered by Medicare, you may want to consider getting long-term health care insurance. It usually covers nursing home expenses, home nurses, or help for the terminally ill.

Check the policy carefully and note the coverage. For example, some may not provide sufficient care for Alzheimer's disease. Others may follow a schedule and limit on payouts.

Some of the most affordable health insurance coverage is usually via group policies as provided by your employer or association.
Health Insurance Companies

Some questions to ask health insurance companies are:

1. Waiting period before payment begins?
2. Is there a non-forfeiture clause? This will allow you to still get partial coverage even if you let the policy lapse.
3. Are degenerative diseases covered by the health plan?

Health Insurance Quotes

Here are some resources, companies and websites where you can get free health insurance quotes for both individual or group coverage.

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