Articles Editor's Blog Reader Mail

Health Insurance Policy Choices - General Health Insurance Guide Manhattan KS

Can I afford health insurance? The bottom line is the amount of the premium. If the premium is more than you can afford, but you are still interested.

American Family Insurance - Jeff Sears Agency
(913) 837-3313
901 W Amity St Ste A
Louisburg, KS
 
Farmers Insurance
(913) 294-5827
607 Baptiste Dr
Paola, KS
 
Farm Bureau Financial Services
(913) 837-3704
218 Fairlane Dr
Louisburg, KS
 
Morris And Associates
(913) 294-2111
205 S Pearl St
Paola, KS
 
Shelter Insurance
(913) 837-2289
107 S Broadway St
Louisburg, KS
 
Farmers Insurance Group
(913) 755-6907
528 Main Osawatomie
Osawatomie, KS
 
American Family Insurance
(913) 294-3203
210 N Hospital Dr
Paola, KS
 
Progressive Insurance
(913) 377-3311
38210 State Line Rd
Louisburg, KS
 
Bauer Betty
(913) 837-2289
PO Box 250
Louisburg, KS
 
Jerry Jones, J.D., CFP(R)
(316) 262-5015
400 N. Woodlawn, Suite 16A
Wichita, KS
 

Health Insurance Policy Choices - General Health Insurance Guide

Provided By: 

Health Insurance Policy Choices

This is a big question. If you are shopping for health insurance on your own you will have a wide range of factors to consider. Even if your employer provides you with health insurance, you may have multiple plans to choose from. How do you decide what's right for you?

The most important thing, before deciding on health insurance, is to ask yourself the right questions:

Can I afford health insurance?
The bottom line is the amount of the premium. If the premium is more than you can afford, but you are still interested, perhaps you can tailor the plan to fit you. Are there options to insure only large health expenses? If your family is in good health, you could gamble that you will only need coverage for large health expenses, such as 'emergency' situations, and tailor your coverage that way.

pare health insurance companies and save money today. affordable-health-insurance-plans.org Health Insurance Quotes Compare, save and apply online. Quick quotes from multiple carriers. healthprices.com Breaking Healthcare News! National healthcare discount plan available now for under $3 a day americans4healthcare.net

State policies on insurance vary widely. Some states require that insurance companies cover everyone, regardless. This means that the risk is spread over everyone, and your premiums will be the same as everyone else's even if you are young and healthy. In this case, your options for a lower price policy will be limited.

You might have to look for a job which has health insurance as a benefit in this case, if you can't afford premiums.

What am I expected to pay?
It's not just about the premiums you pay for health insurance. It's also about the costs that you incur when you use health services. What is the deductible? What percentage of the health expense (minus deductible) will I be reimbursed? These are also important considerations, especially if you or your family members are frequent users of health care services.

Does this medial insurance plan cover the services I (or my family) use?
If you have seen a Chiropractor for years you will likely want this to be a covered therapy. Not all health insurance plans cover alternative health practitioners - check the fine print.

Not all health insurance plans cover preventative medicine. If you'd rather take action before you get sick check your coverage.

Also, be sure that the medial insurance will cover you for your pre-existing health conditions. If it doesn't, or it has a waiting period, be sure you understand how that will impact you and your family.

Health insurance plans may also restrict your ability to change doctors, see doctors outside of the plan or get access to specialists. Read the fine print.

If you are interested in starting a family it's critical to understand whether the health insurance covers the costs of prenatal care and delivering the c...

Click here to read the rest of this article from Insurance Guide 101

Kansas State Mandated Health Insurance Coverage

Medical insurance benefits that insurers must provide include: alcohol/drug abuse treatment, anti-psychotic drugs, attention deficit disorder, autism, bone mass measurement, breast reconstruction, cervical cancer/HPV screening, chiropractor, dental anesthesia, dentist, dependent coverage (including newborns, adopted children), diabetes (self-management and supplies), emergency room service, licensed health professional, mammography, mastectomy (including minimum stay), maternity (including minimum stay), mental health, nurse (anesthetist and practitioner), off-label drug use, optometrist, oral surgeon, osteopath (D.O.), pain management specialist, pharmacist, physical therapist, podiatrist, prostate cancer screening, psychologist, psychotropic drugs, social worker, well child care

About Us | Contact Us | Link to Us | Privacy Policy | Terms of Use | Insurance Resources | Sitemap