Health Insurance
The global recession has certainly hammered virtually everyone in the U.S. Many families have found themselves without health insurance – some because of a layoff while others simply couldn’t afford to continue paying their coverage premiums.
If you have limited resources and are lacking health insurance, consider the following resources.
Individual or Family Health Insurance Coverage
If your employer does not provide a group plan for its employees, your best bet may be to look into purchasing your own individual or family health coverage.
This is a great option for individuals with family members in decent health, and plans can be browsed and purchased both online and at individual agent offices.
While this tends to be more costly than group insurance, you may be surprised how affordable it can be – and you still have the option of negotiating some variables, such as deductibles. Consequently, you can build a plan that fits your budget.
Workers’ Compensation
If you need medical care due to an on-the-job injury, your best bet is to look into Worker’s Compensation insurance.
Most employers are required to carry this type of coverage and to submit an incident report in any case where an employee is injured on the job.
Short Term Insurance
If you have recently found yourself temporarily unemployed, short term health care insurance may be just the solution you need.
This is the ideal type of health coverage to assist in the interim if you are between jobs – and best of all, the shorter the duration of the policy, the lower your premium will be.
Group Health Insurance
While you generally think about employer sponsored coverage when you consider group health insurance, the fact is that many private organizations provide this insurance option as well.
Indeed, this may be one of the single most affordable ways to obtain health care coverage, and the more members that are part of the group, the lower the premiums generally are.
Group health insurance is something you should consider before accepting any job offer.
If you have been struggling to pay your insurance premiums, or – even worse – are currently without health coverage for yourself and/or your family, it is important to understand you do have options.
And now that you have a good idea as to the kinds of coverage available, take the initiative to locate an efficient health insurance policy to protect both you and your family.
