Tag Archives: Brian Stevens

Where to Get Low Cost Nevada Health Insurance

Are you among the 400,000 people living in Nevada without health insurance? If so, you already know that health insurance is a necessity. Now you need to know where to find low-cost Nevada health insurance.

Who Lacks Insurance in Nevada?

Lack of health insurance is not limited to low income families or the unemployed. More than half of uninsured Nevada residents are middle-class working families.

There are several reasons for Nevada’s high uninsured rate:

* About 95% of Nevada businesses have fewer than 50 employees. These small businesses are less likely to offer employer-sponsored health insurance benefits. If they do offer an insurance plan, the premiums are often too high and the employees do not participate.

* Nevada has many part-time and seasonal workers who do not participate in employer health care plans.

Options for Finding Low-Cost Nevada Health Insurance

The Nevada state government does offer some programs to help residents obtain insurance:

* The Nevada Check Up program is a children’s health insurance program that provides low-cost, comprehensive health care coverage to low-income, uninsured children.

* The Nevada Check Up Plus program provides a subsidy to working parents employed by small businesses so they can afford to participate in their employer-sponsored health insurance.

If you are not eligible for state aid, your next step is to look for low-cost individual health insurance. The best way to find low-cost health insurance is to go to an insurance comparison website and fill out a form with information about yourself and your insurance needs. You will then receive quotes from multiple A-rated health insurance companies. You can then compare the quotes and choose the one with the lowest cost.

The best insurance comparison websites even let you talk with insurance professionals so you can ask questions and make sure you find the best health insurance plan for you. (See link below).

Visit or click on the following link to get low cost Nevada health insurance rate quotes from top-rated companies and see how much you can save. You can also get more insurance tips there.

The authors, Brian Stevens and Stacey Schifferdecker, have spent 30 years in the insurance and finance industries, and have written a number of articles on how to get low cost Nevada health insurance.

Arizona Health Insurance – How to Get the Best Rate

Health insurance is a necessity, not only for major medical care, but also for regular preventive care. If you live in Arizona and need health insurance, here are your options for finding the best rate.

The State of Insurance in Arizona

Arizona statistics reveal 17% of Arizonans don’t have health insurance, placing Arizona 12th among the states for the highest percentage of uninsured. This translates to over one million people without health insurance.

In addition, employer-based health insurance coverage is shrinking in Arizona and is now below the national average. This means that even employed people may no longer have health insurance.

Finding the Best Rate on Arizona Health Insurance

Arizona offers public health insurance programs that provide health care coverage for low-income people through their AHCCCS program (Arizona Health Care Cost Containment System). You can find out if you’re eligible for this program by visiting their website – ahcccs.state.az.us

If you don’t qualify for this program, you need to look into an individual health insurance policy. Keep in mind the following facts about Arizona health insurance policies:

* Insurance companies can refuse coverage to you for pre-existing conditions. There is no waiting period for pre-existing conditions.

* Arizona offers guaranteed renewability. This means that as long as you pay your premiums, your insurance company cannot drop you because you get ill or are injured. However, if you switch insurance companies or even policies within the same company, they can then exclude coverage for your condition.

What does this mean for you? It means you should do your homework and find the best health insurance rate the first time, rather than taking the risk of changing companies later.

The easiest way to make sure you get the best rate is to visit an insurance comparison website. On such a website, you will complete a simple form with information about yourself and your insurance needs. Then you’ll receive quotes from multiple A-rated health insurance companies. All you have to do is compare the quotes and choose the one with the best rate.

The best insurance comparison websites even let you talk with insurance professionals through an online chat service so you can ask questions and make sure you choose the best health insurance for your needs and your pocketbook (see link below).

Visit or click on the following link to get Arizona health insurance quotes online from top-rated companies and see how much you can save. You can also get more insurance tips there.

The authors, Brian Stevens and Stacey Schifferdecker, have spent 30 years in the insurance and finance industries, and have written a number of articles on Arizona health insurance.

Where to Get Inexpensive Texas Family Health Insurance

Twenty-five percent of Texans do not have health insurance and are risking financial ruin because even minor illnesses like appendicitis can cost thousands of dollars. Here’s how to get inexpensive Texas family health insurance so and your family will be protected.

Government-Sponsored Health Insurance Options

Texans have a number of options when it comes to government health insurance programs:

* Medicaid is a state and federal program that provides health insurance coverage for low-income families, people with disabilities, pregnant women, and elderly people who cannot afford private health insurance.

* CHIP, The Children’s Health Insurance Program, provides health insurance to families who earn too much money to be eligible for Medicaid, but cannot afford private insurance coverage for their children.

For more information on government-sponsored health insurance, visit the Texas Health and Human Services Commission website at: hhsc.state.tx.us.

Private Health Insurance Options

Private health insurance options for families living in Texas include:

* Indemnity plans, which pay for comprehensive health care – doctor visits, hospital and surgical fees, plus prescription drugs. These plans allow you to use the doctors and hospitals of your choice. You must pay a deductible ($500 to $2,000) before your insurance company will pay for a percentage of your medical expenses, usually 80%. Indemnity plans are the most expensive health insurance plans.

* Managed health care plans such as HMOs and PPOs, which also pay for doctor vistits, hospital and surgical fees, plus prescription drugs. Unlike indemnity plans, you are assigned to a group of doctors and hospitals, and can only use a doctor or hospital of your choosing by paying an extra fee. Managed health care plans are much cheaper than indemnity plans.

Inexpensive Texas Family Health Insurance

If you don’t qualify for government sponsored health insurance, you can get inexpensive health insurance by going to an insurance comparison website. There you can get quotes from a number of health insurance companies so you can compare them and choose the least expensive plan (see link below).

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

The author, Brian Stevens, is a former insurance agent and financial consultant who has written a number of articles on Texas family health insurance.

Where to Get Low Cost Health Insurance in Illinois

In Illinois, 1.4 million adults do not have health insurance. And this number is expected to rise as insurance costs go up and businesses reduce or drop insurance benefits. So where can you find low cost health insurance in Illinois?

Explore Your Options

Many Illinois residents are fortunate enough to get adequate health insurance through their employers. However, if you’re unemployed or your company doesn’t offer health insurance you can still get coverage:

* If you left a job that offered health insurance or your employer dropped your health insurance benefits, look into COBRA coverage. COBRA offers you coverage under your former employer’s health insurance plan for a few months at your own cost.

* Look into Illinois Covered, the state health insurance program. This program helps with health care and insurance costs for a variety of Illinoisans, including children, low-income residents, uninsured adults, businesses, and middle-class families.

* Group insurance from an organization. If you buy health insurance through an organization such as your college alumni group or a professional group, you may be able to qualify for a lower group rate.

* Buy an individual health insurance plan. This may be the most expensive option, but it also offers the most choices, as many types of individual plans are available: comprehensive coverage, major medical coverage, emergency coverage, short-term coverage, PPOs, HMOs, and POSs.

Finding a Low Cost Illinois Health Insurance Policy

If you decide to buy an individual health insurance plan, an insurance comparison website is the best place to find a low cost policy. On these sites you spend a few minutes completing a form with information about yourself and your health insurance needs. Once you complete the form you’ll receive health insurance quotes from multiple A-rated insurance companies.

The best websites also let you talk with insurance professionals via an online chat service so you can ask questions and make sure you get the best health insurance plan for you (see link below).

Visit or click on the following link to get cheap Illinois health insurance quotes from top-rated companies and see how much you can save. You can also get more insurance tips there.

The authors, Brian Stevens and Stacey Schifferdecker, have spent 30 years in the insurance and finance industries, and have written a number of articles on health insurance in Illinois.

Health Insurance Policies – How to Get the Best Plan at the Best Price

In the market for health insurance? Want to know how to get the best policy at the best price? Here’s how …

Best Policies

The best health insurance policy is the one that gives you the coverage you want at a price you can afford. The most popular health insurance plans are:

1. HMOs (health maintenance organizations) – With an HMO your receive health care from a specific network of doctors and hospitals. The HMO pays for your doctor bills, hospital fees, and prescriptions, and you pay a co-payment (usually $5 to $15) for each doctor visit.

You must choose a network primary care physician who will be responsible for overseeing your health care and referring you to specialists when needed. Visits to doctors outside the network are not covered.

HMOs are the least expensive comprehensive health care plan and involve the least amount of paperwork.

2. PPOs (preferred provicer organizations) – With a PPO you also receive your health care from a network of doctors and hospitals, but you don’t need to choose a primary health care physician and you don’t need to get a referral to see a non-network doctor. However, you’ll pay extra to see a non-network doctor.

PPOs are more expensive than HMOs because they are more flexible.

3. POSs (point of service plans) – These plans are similar to HMOs, but you may use non-network doctors by paying a higher co-payment and a deductible.

POSs are cheaper than PPOs, but more expensive than HMOs.

Best Companies

There are three websites where you can check out insurance companies:

The A.M. Best website (ambest.com) – This website lists a company’s financial status and is a good site to use to determine their financial stability and their ability to pay claims.

J.D. Power & Associates website (jdower.com) – This website provides customer satisfaction ratings and is a good site to use to see how well a company treats its customers and how well they pay their claims.

Your state’s department of insurance website – All states maintain a department of insurance website, and most states provide a list of complaints filed against insurance companies so you can see if a company has had more than its share.

Best Rates

To get the best rate you’ll need to do a little comparison shopping. The easiest way to do it is to go to an insurance comparison website.

Visit or click on the following link to get health insurance policy 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.

The author, Brian Stevens, is a former insurance agent and financial consultant who has written a number of articles on health insurance policies.