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FINANCIAL TIPS HOME
MAIN HOME |
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Cheap
Health Insurance |
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Is there such thing as cheap health
insurance available to families and
individuals? With health insurance costs
are rising to the all time high and the
pressure from the media. Insurance
companies are scrambling for ways to
make health insurance affordable for
everyone. With so much media attention
and the uncertainty for the future of
the health insurance industry and with
talk about socialized health insurance.
Insurance companies are stepping up to
offer more “cheaper” health insurance
options for the consumers.
If you live in California there are
numerous options that are available to
you that will definitely help out your
pocket book. Two of the largest health
insurance providers in the state, Blue
Cross and Blue Shield have been recently
introducing new |
significantly cheaper health insurance
plans. One thing we have to understand
is that insurance companies want your
business and they are finally listening
to consumers. Insurance companies
understand that they have to be
competitive or they are just going to go
out of business.
Lets get in to your options and what is
available to you in the state of
California. One thing you have to
understand is that every state is
different in the types of health plans
that are offered. Even if the insurance
company is the same the health plans
will still vary based on your state
laws. California Blue Cross and Blue
Shield has been listening and have come
out with some great plans that are
“cheap” compared to what was available
before.
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When you are looking at Blue Cross
consider new SmartSense plans that are
extremely competitive. SmartSense plans
offer you all the features of a rich
health insurance plans with some
limitations on the prescriptions drug
coverage and no maternity. If you have
no need for brand name drug coverage and
not need for maternity, you will be
surprised by how low your monthly
premiums are going to be. SmartSense
Plans are most popular plans that Blue
Cross is currently offering. If you are
looking for health plans that cover
maternity and still offer low monthly
premium then take a look at new Lumenos
plans that Blue Cross offers. Not all
Lumenos plans offer maternity coverage
so make sure you check that the plan you
are looking at offers maternity
coverage. |
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With Blue Shield you also have some new
great plan options with their new
Balance Plans and Essential Plans.
Balance Plans are great plans for the
families who are looking for very
affordable monthly premiums and a
benefit rich plan. The way Blue Shield
is able to offer low monthly premiums is
by excluding maternity coverage. The
other options you have, especially if
you are single individual, is Blue
Shield Essential Plans. Essential plans
offer all the benefits of benefit rich
plan with the exceptions of no maternity
coverage and no brand name drug
coverage. Essential plans also have much
lower maximum out of pocket costs. If
you are healthy and are looking for
“cheap” benefit rich plan, Essential
Plans are definitely right for you.
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One thing that we have to understand is
that insurance companies are
consistently competing for your
business. If you stay proactive and shop
for health insurance options you are
always going to find “cheap” health
insurance plans for your self or your
family. Feel free to visit out site (see
below) to get instant health insurance
quotes on the plans mentions in this
article and many other “cheap” health
insurance plans. |
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About The Author:
Written By Dennis Alexander
Dennis Alexander - leading consultant
for employer group and individual/family
health insurance. For any additional
information and assistance with all of
your health insurance needs visit our
websites
Blue Cross Health Insurance and
Cheap Health Insurance.
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