Discount Medical Health Insurance
Reader question:
What’s the deal with those discount health insurance cards?
Martha
Great question.
Discount medical health insurance cards claim to be a great alternative for people who don’t have the money to be able to afford insurance. For that very reason, they may be a little attractive at first, especially to any of the millions of uninsured who have no other option. It would be a great idea to offer low cost health insurance to those who fall through the gap between government aid and medical self sufficiency. However, upon closer look, this discount medical health insurance cards aren’t all that they’re cracked up to be.
The business of discount health cards is growing fast, and many health insurance companies are now offering them as an affordable alternative to full on health insurance plans. What they do is give the card holder discounts on things like doctor appointments, hospital visits, and prescriptions. In some cases, they may be the only option for someone who can’t afford health insurance, and thus it won’t matter that that person is still footing the whole medical bill, just with a slight discount. However, for those who feel the need to avail themselves of this option, an eye should be kept out for the many cards that are fraudulent.
Many sellers of these fraudulent discount cards make it look like the cards are actual health insurance, when they aren’t. They are not regulated, and there’s no way to protect yourself as a consumer if you get one of these cards. Even the more normally legitimate businesses that offer the cards tend to make it look like the savings and discounts that you get from them are much more than they actually are. If you fall for this, you could end up paying more for a card every month than it’s saving you money.
Even if the discounts they promise are technically on the card, a lot of times there will be a bunch of under the table fees that will take those away, so that in the end the only thing that this card you have will be is a piece of useless plastic. It can have the effect of making some people who can barely afford their health insurance plan exchange it for a card, convinced by the companies that it is an actual health insurance plan, only to find themselves paying all of their medical bills.
There are many of these companies out there who are trying to steal your money without actually giving you anything in return. One company has already charged unwilling customers for cards that they never wanted, fraudulently using their credit card numbers.
Cheers,
Fashun Guadarrama.
Healthy New York Insurance Purchase Coverage Online
Reader’s Question:
Do you have any tips on how to get the best kind of health insurance for myself? Thanks!
Cecily
Albany New York
Health insurance is very important especially in times like these where almost anyone cannot afford the huge costs of getting sick or injuries from an accident. This makes getting the right kind of health plan very crucial. Here are some great tips to help you out:
Employers Health Coverage May Not be enough
In uncertain times even the health policy from your employer may not be enough to cover your needs. At least have a secondary health policy for you and your family. You don’t want to lose vital health coverage if the company you work for suddenly packs-up or if you are made redundant.
Get a Health Savings Account (HSA)
If you have a High Deductible Health Plan (HDHP) meaning the policy deductible minimums are $1,150 (self) and $2,300 (self & family) then it’s highly recommended that you get an HSA. This is an excellent option if you don’t use their health coverage so much. HSA’s are tax-deferred so you can pile up savings on it to use for real emergencies in the future.
Independent Rating Agencies
Part of getting the best health insurance policy is going with a reliable and quality health insurer. This is when independent rating agencies such as Moody’s, J.D. Powers, S&P, and A.M. Best become your best resources to find a great provider. They accurately rate many different companies per industry on categories such as billing & payments, customer service, pricing, and claims handling. Most information is for free and can be easily obtained from their websites.
Obtain Online Health Insurance Quotes
The Internet can also help you get affordable health insurance rates. By using a health insurance comparison website (like this one) to obtain a free rate quote, you can compare many different health insurers simultaneously. This saves you a lot of time and effort and maximizes your chances of finding the best and most affordable health provider for you.
Healthy New York Health Insurance Application
Reader’s Question:
I am about to get my health insurance in New York. I am just curious, what are the factors that affect a person’s health insurance rate? I just wanna make sure that I do some research so I’ll be ready once I purchased my health insurance.
George
NYC/p>
When shopping for health insurance, your will be asked to fill out a questionnaire. This questionnaire, will give an idea to the health insurance companies on how risky you are to be insured. Following are some of the main factors that health insurance companies take into consideration in setting health insurance premiums:
1. Health History. If you have maintained a good health history, which means you were not in and out of the hospital or no heart attack for the past 10 years, then you don’t have to worry. You won’t expect a high health insurance rate since you pose lower risk to be insured;
2. Weight. If your weight is beyond normal or you have a Body Mass Index (BMI) of more than 39, you will find it difficult to get a health insurance company willing to insure you. So, I would suggest burn those fats first.
3. Smoker. If you do smoke, then quit. We all know smoking causes cancer. But if you can’t quit, then expect a higher health insurance rate for you;
4. Age. If you are older, the higher your health insurance premium would be. The reason is simple, as you aged, the chance of filing health claims is higher as compared to when you are younger; and
5. Job. If you work as a pilot, fireman, or any other hazardous jobs that puts your life at risk, then you would be expecting a higher health insurance rate.
Health Insurance Discount New York
How can I get a discount with my health insurance in New York?
Tommy
Yonkers, NY
Since we all get sick and hurt sometimes, health insurance can be very important to us. But health insurance does not come in cheap so here are the things you can do to save on your health insurance:
1. Many employers provide group health insurance for their employees. Often group health insurance, offers good service with affordable prices. Your family can be eligible as well with this group health insurance.
2. Smokers pay higher insurance rates than non smokers so if you can, stop smoking.
3. If you are shopping for health insurance you should compare the different insurance quotes you get. Compare prices and features that are offered by this insurance companies.
4. The higher the deductible the less you have to pay on your premium. This is the best choice if you are only buying life insurance for yourself.
Cheap Condo Insurance
Reader Question
I dont know how you guys can get such a great deal on condo insurance…but I am so glad you do. You saved me well over 45% on my current condo insurance premiums.
What really gets me is the policy you guys got me was with a better company than what I previously had…and I was paying MUCH more for it.
Dan, Houston TX
Thanks Dan, We have special arrangement with agents looking to sell their condo insurance at a discounted price to get new customers. I am glad you were able to reap the benefits of our hard work. 
Free NO OBLIGATION renters and condo insurance from the form above!