Cheap Health Care
If you are a self-employed individual looking for cheap health care, you may find comfort and assurance with individual health insurance. It is very likely that if you and/or your family have pre-existing health conditions, you will be denied coverage. Each state has different requirements, so make sure to check with insurance companies in yours. Individual coverage is oftentimes compared to the group health insurance that employers offer. Group health insurance is much cheaper and usually has more benefits, but there is no need for that if you are self-employed and are your only employee. This option may also be for you if you have run out of COBRA protection.
Another affordable option to go with is an HMO, or Health Maintenance Organization. You aren’t given a lot of flexibility, but you are given a low monthly premium rate that remains the same throughout the policy of your health plan. You are required to choose a Primary Care Physician, or a PCP, to handle all of your medical needs. You will only be able to see that physician and he or she will refer you to other specialists and treatments that are within the coverage of your plan. If you decide to go with a doctor that is out-of-network, you will be held responsible for the expenses. You are only allowed to see a doctor out-of-network for emergency medical attention.
If you work on a job that is dangerous or are undergoing a temporary job assignment that could be dangerous, it might be a good idea for you to get accidental health insurance. It is fast and easy to get and may be a good option if you aren’t already covered. It has worldwide protection for accidents and will even pay for air ambulances if needed after an accident.