Low Cost Employee and Family Health Insurance

Author: Brian Stevens

Article:
With even minor illnesses and injuries costing hundreds or
thousands of dollars to diagnose and treat, workers need options
for low cost employee and family health insurance. Such
insurance can help pay for ...

* Immunizations

* Preventive care

* Maternal and infant care

* Emergency health services

* Minor and major accidents and illnesses

Without adequate health insurance, individuals and families tend
to ignore health problems and forego preventive care. Even
worse, serious medical problems can send them spiraling into
bankruptcy.

Low Cost Options

Traditional full coverage insurance is often too expensive for
today's employees and families. However, low-cost options are
available that still provide needed coverage:

* With PPOs and HMOs, you must choose a health care provider
from a specified list but your premiums are much lower than with
traditional insurance.

* A Major Medical plan won't cover routine health care needs
but it gives you protection from major accidents and illnesses.

* High-deductible plans cover all your medical bills once you
reach the deductible. Ideally, you combine a high-deductible
policy with a Health Savings Plan in which you put away money to
pay for your bills until you reach the deductible.

In addition to these options, many states have government
programs to help low-income workers afford insurance for
themselves and their families. See your state's Department of
Insurance website for details.

Money Saving Tips

To help you keep your health insurance costs as low as possible,
follow these tips:

* Avoid tobacco so you qualify for lower rates. If you already
smoke, work on quitting.

* Stay healthy by eating healthy foods and exercising regularly.

* Keep your credit rating in good shape. A poor credit rating
leads to higher premiums.

* Comparison shop through an insurance comparison website. Get
quotes from at least three companies so you can compare their
coverages and premiums.

Where to Get Low Cost Health Insurance

Visit http://www.LowerRateQuotes.com/health-insurance.html or
click on the following link to get employee
and family health insurance quotes from top-rated companies
and see how much you can save. You can get more tips and advice
in their Articles section, and get answers to your questions
from an insurance expert by using their online chat service.



About the author:
The authors, Brian Stevens and Stacey Schifferdecker, have spent
30 years in the insurance and finance industries, and have
written numerous articles on employee and family health
insurance.