Article Side

Online Article Directory!

Hello Guest! Login or Register to submit articles!

Individual medical health insurance

By Lessardcasey Subscribe to RSS | November 30th 2011 | Views:
loading
 
  



Individual medical health insurance is something that every man and woman should have, unless they are covered by a group plan. Individual medical health insurance can help men and women cover their healthcare costs. Healthcare for anyone can be costly, but with an individual medical health insurance plan, it can help ease the cost and make it easier for these people to continue to live their lives. For some people an individual medical health insurance plan is all that is available to them, so they have to purchase a plan like it. These people may not work for an employer who offers medical health insurance, but they want to have medical health insurance, so they will get an individual plan.

There are some issues with individual medical health insurance. Some people have been denied coverage because of preexisting conditions like heart problems, or other internal issues someone might have. While it is not ethical to deny someone based on a preexisting condition, it makes perfect business sense. It would stand to reason that a person with a heart problem will cost the insurance company more money than someone who is perfectly healthy, and has no preexisting conditions. Laws are different based on group policies and individual policies, so that is why this almost unethical practice is allowed.

Another issue someone might have with individual medical health insurance is that it can be expensive. Since it is an individual plan, and not a group plan, the rates will go up. It only makes sense since the insurance company needs to make money. They will offer discounts to a larger group of people as an incentive to get them to buy the insurance, but to an individual, they will try to make money from them as well. While yes the companies all have to compete with each other, they can still afford to charge more because some people need insurance, and they will pay what they have to in order to get it.

As a whole, individual medical health insurance plans are a great idea, and can be life savers. They can also be expensive, and possibly even unavailable to some. It takes talking to the insurance company that someone is interested in and asking questions, getting answers, and then asking more questions. There is no such thing as asking too many questions when it comes to healthcare, and whether it is the right choice. It is better to ask more questions and be labeled a pest than it is to pay for something that might not be the perfect fit. Each plan is different, and has different pros and cons, as well as prices. Some plans may offer more benefits, but those benefits may not be needed, so look closely at what plans are available and then choose wisely.

Lessardcasey - About Author:
Casey Lessard is an author of healthinsuranceadvisory.org, One of the Best health insurance advisory. He is writing articles on Individual medical health insurance since long time.

Share on Facebook Tweet It Stumbleupon this post This post is delicious !

Article Source:
http://www.articleside.com/insurance-articles/individual-medical-health-insurance.htm

Related Insurance Articles Subscribe to RSS

Massachusetts and the need for car insurance
Published by Autoinsurances on January 14th 2012 | Insurance
If at all you are looking for Massachusetts auto insurance, there are certain aspects that you reall...
 
Cheap car insurance for new drivers
Published by Ahmadgill on December 22nd 2011 | Insurance
Our company is the best company to give you cheap car insurance for young male drivers that’s rate...
 
Tips for effective Car insurance comparison
Published by Geenadavis on March 28th 2012 | Insurance
In order to obtain the lowest insurance rates it is a wise idea to compare various quotes. This will...
 
A brief overview of high risk auto insurance
Published by Jerry on March 10th 2012 | Insurance
Auto insurance seems to be a necessity for every driver to minimize the risk after any accident. As ...
 
Importance of getting life and medical insurance while residing in Dubai
Published by Andy Robert on January 22nd 2012 | Insurance
There are many insurance policy companies operating in UAE. The life style of residents of Dubai dem...
 
Pre existing conditions medical insurance
Published by Mark Suchel on March 14th 2012 | Insurance
Many sick individuals find it nearly impossible to get insurance with a pre-existing condition. Most...
 
Compare car insurance quotes before renewal
Published by Stevediaz on February 25th 2012 | Insurance
It is illegal to drive car without car insuranceas per law. So everyone who drive or owns a car need...
 
Best deals on auto insurance in Oregon
Published by Ronnie Brain on January 16th 2012 | Insurance
All drivers are required to carry their auto insurance when driving in Oregon. It is illegal to driv...
 
Why to get mobile phone and iPad insurance
Published by Ashish Pandey on February 7th 2012 | Finance
Getting mobile phone insurance or iPad insurance can be a great tool to avoid unnecessary expense an...
 
Fast tips and advices related to auto insurance
Published by Jerry on March 13th 2012 | Insurance
Insurance refers to a specific type of management that compensates the loss of a valuable asset. Th...
 
Pick of the right insurance agent a key to success.
Published by Abhijeet on January 21st 2012 | Insurance
An allowance abettor is the being that guides us in selecting the appropriate Allowance plan. If we ...
 
Car insurance at its best in North Dakota
Published by Usautoinsurances on January 16th 2012 | Insurance
It is illegal to drive on the North Dakota roads without proper auto insurance. This is also the ca...
 
A Different type of life insurance
Published by Jack Travis on December 9th 2011 | Insurance
Disadvantage of this type of life insurance is that it will be automatically terminated once the per...
 
My cheap car insurance- your ticket to a perfect insurance policy
Published by Harrisonford on April 12th 2012 | Insurance
Companies offering cheap car insurance policies have become very important. Unemployed people or peo...
 
Commercial insurance quotes: preliminary walk towards sheltered business
Published by Andrew Edwards on January 18th 2012 | Insurance
The term quotes meant a lot to us, quotes are thoughts shared by legendary people...
 
Georgia health insurance plan supports you during your bad time
Published by Ricky Martin on June 20th 2012 | Insurance
Whenever you are in trouble, you need some helping hand at that time. Those phases called bad times ...
 
Cherishment for businesses, searching for commercial insurance
Published by Andrew Edwards on May 7th 2012 | Insurance
While hoping for successful running business, you have to plan everything according to market needs...
 
Different types of insurance to keep you and your family free and secure in Dubai
Published by Andy Robert on November 29th 2011 | Insurance
Insurance policy provides protection against uncertain losses. In Life insurance policy insurer prov...
 
Inexpensive health insurance procedure
Published by Lessardcasey on March 28th 2012 | Insurance
HealthInsuranceAdvisory.org offers Inexpensive Health Insurance rates for most Americans by allowing...
 
Vermont car insurance
Published by Usautoinsurances on January 17th 2012 | Insurance
You have to carry your Vermont auto insurance all the time you are driving on the Vermont roads. It ...