Tag Archives: Brian Stevens

How to Find an Affordable Health Insurance Company

Finding an affordable health insurance company is getting more difficult than ever, as insurance costs continue to rise.

But with health care costs also rising, it’s critical that you find medical care coverage you can afford. The trick is finding a balance between the coverage you need and the payments you can afford.

What Are Your Options?

Your first choice should almost always be to enroll in a group plan from your employer. These plans tend to offer the lowest prices around and will usually cover your spouse and children too.

However, if you don’t have access to an employer plan, then you need to look into a private plan.

Private Health Insurance

Many options for private health care plans are available to you. The most affordable choices are usually managed care plans such as HMOs and PPOs. With these types of plans, you are trading the freedom to choose your own health care provider for lower monthly premiums.

Of course you still want good coverage, so be sure to check out the managed health care plan’s doctors and ask questions such as …

* How hard is it to change primary care doctors?

* Do I need referrals or permission to visit a specialist?

* What is the cost for seeing an out-of-network doctor?

* What health care services are covered?

Lowering Your Premiums Even More

In addition to choosing a managed health care plan, you can take other steps to making your health care plan as affordable as possible:

* Set your deductibles and co-payment amounts as high as you can afford. The higher you set your deductible and co-payments, the lower your premiums will be. However, don’t set them so high that you can’t afford to go to the doctor!

* Keep yourself in good health. Eat right, exercise regularly, avoid tobacco, and keep yourself healthy.

* Use an insurance comparison website to quickly and easily compare quotes from different health insurance providers. (See link below).

Where to Get Affordable Rates

Visit or click on the following link to get affordable 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.

The authors, Brian Stevens and Stacey Schifferdecker, have spent 30 years in the insurance and finance industries, and have written numerous articles on finding an affordable health insurance company.

Where to Get Cheap Colorado Health Insurance Plan Quotes

Although Colorado ranks high on income levels, the state unfortunately also ranks high on the number of people who are uninsured, with 15 to 17 percent of Coloradoans lacking health insurance. If you’re in this group here’s how you can get cheap Colorado health insurance plan quotes from top companies.

Who Are the Uninsured in Colorado?

You might think that only unemployed people don’t have health insurance. In fact, a third of the uninsured in Colorado work full time, but they work for small businesses that cannot afford insurance coverage for their employees. In addition, they tend to have lower incomes, with over half of the uninsured earning under 200 percent of the poverty level.

The high number of uninsured in Colorado affects the state economy in several ways:

* The uninsured sign up for state-sponsored health insurance programs such as Child Health Plan Plus and ColoradoCovers. These programs are paid for through state funding.

* Health care providers charge all their patients higher prices to subsidize the uninsured patients who are unable to pay for their care.

* As health care costs rise, so do insurance premiums, with Coloradoans paying as much as $934 extra each year in insurance premiums to cover the cost of the uninsured.

Where Can You Find Cheap Colorado Health Insurance Plans?

Everyone benefits when more people have their own health insurance. A great way to find cheap insurance quotes is to go to an insurance comparison website. You can find quotes for all types of insurance at these sites, including:

* Basic or comprehensive coverage

* Catastrophic or accident-only health insurance

* Traditional insurance, PPO plans, or HMO plans

* Long-term or short-term health insurance

* Home health care insurance

* Vision and dental insurance plans

The best insurance comparison websites even offer a chat feature so you can get answers to all your insurance questions directly from an insurance professional (see link below).

Going online to find your health insurance is quick, it’s easy, and it will save you money because you’ll get quotes from several different companies to compare. Give it a try!

Visit or click on the following link to get Colorado health insurance plan 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 getting cheap Colorado health insurance plan quotes.

Where to Get a Discount Health Insurance Plan

Looking for a discount health insurance plan with a reliable company? Here’s where to find one.

State Sponsored Health Insurance Plans

The first place to go to find a discount health insurance plan is your state’s insurance department website. Most states have low-cost and no-cost plans for low income individuals and families, children whose parents cannot afford health insurance, pregnant women, and the elderly.

To find out if you qualify for a state-sponsored health insurance program, visit your state’s department of insurance website by doing an Internet search for “(your state’s name here) department of insurance.”

Private Health Insurance Plans

There are four types of private health insurance plans:

HMOs (Health Maintenance Organizations) are the cheapest plans because you are assigned to a network of hospitals and doctors you must use for your medical care. With these plans you pay a monthly premium plus a $5 to $10 co-payment for each doctor visit.

PPOs (Preferred Provider Organizations) and POSs (Point-of-Service plans) cost slightly more than HMOs, because although you’re assigned to a network of doctors and hospitals you can use a non-network doctor or hospital for an additional fee. With a PPO you pay your medical expenses when services are rendered. With a POS you pay a monthly premium and an $5 to $10 co-payment for each doctor visit.

Indemnity, or Fee-For-Service plans, are by far the most expensive health insurance plan because you can use the hospital and doctor of your choice. You pay a monthly premium for the plan, and a deductible of usually $500 to $2,000 before your insurer will pay your medical bills.

Where to Get a Discount Health Insurance Plan

The easiest way to get a discount health insurance plan is to go to an insurance comparison website where you can get rate quotes from a number of insurance companies then compare rates and choose the cheapest one.

Visit or click on the following link to get discount health insurance plan 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 extensively on how to get discount health insurance plan quotes.

How to Get a Cheap California Health Insurance Quote

One quarter of all Californians don’t have health insurance, and Los Angeles has more residents without health insurance than other city in the United States. If you’re among those Californians living dangerously and hoping to stay healthy, you need to start looking now for a cheap California life insurance quote.

Check with Your Employer

Most Californians who do have health insurance get it through their employers. If your employer offers a health insurance plan, this is likely to be your cheapest option for getting health insurance.

Set Your Priorities

If you don’t have an employer insurance plan you can join, you’ll need to look into a private health insurance plan. Many types of plans are available. You will need to choose the type that best fits your needs and budget:

* Comprehensive coverage, which includes such items as doctor visits, preventative care, prescriptions, and even dental and vision.

* Major medical coverage, which covers only hospitalization and major medical expenses.

You’ll also need to choose whether you want a fee-for-service policy that lets you choose any health care provider, or if a PPO (Preferred Provider Organization) or HMO (Health Maintenance Organization) will work for you.

PPOs provide comprehensive health services but you’ll have to choose a doctor and hospital that is part of the PPO’s network. HMOs offer the cheapest rate for health insurance plans. With an HMO, you also must choose a doctor and hospital within the network. In addition, HMOs may require you to receive approval before visiting a specialist.

Choose a Health Insurance Company

Once you’ve decided what your health insurance priorities are, you can start looking for a cheap California health insurance company.

Begin your search online by going to an insurance comparison website. On this website you’ll complete a simple form with information about yourself and your insurance needs. You’ll then get quotes from multiple A-rated health insurance companies.

The best websites even let you talk with insurance professionals, online or by phone, so you can ask questions and make sure you choose the best health insurance company for your needs. (See link below.)

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