Low Cost Employee and Family Health Insurance

With even minor illnesses and injuries costing hundreds or thousands of dollars to diagnose and treat, workers need options for low cost employee and family health insurance. Such insurance can help pay for ...

* Immunizations

* Preventive care

* Maternal and infant care

* Emergency health services

* Minor and major accidents and illnesses

Without adequate health insurance, individuals and families tend to ignore health problems and forego preventive care. Even worse, serious medical problems can send them spiraling into bankruptcy.

Low Cost Options

Traditional full coverage insurance is often too expensive for today's employees and families. However, low-cost options are available that still provide needed coverage:

* With PPOs and HMOs, you must choose a health care provider from a specified list but your premiums are much lower than with traditional insurance.

* A Major Medical plan won't cover routine health care needs but it gives you protection from major accidents and illnesses.

* High-deductible plans cover all your medical bills once you reach the deductible. Ideally, you combine a high-deductible policy with a Health Savings Plan in which you put away money to pay for your bills until you reach the deductible.

In addition to these options, many states have government programs to help low-income workers afford insurance for themselves and their families. See your state's Department of Insurance website for details.

Money Saving Tips

To help you keep your health insurance costs as low as possible, follow these tips:

* Avoid tobacco so you qualify for lower rates. If you already smoke, work on quitting.

* Stay healthy by eating healthy foods and exercising regularly.

* Keep your credit rating in good shape. A poor credit rating leads to higher premiums.

* Comparison shop through an insurance comparison website. Get quotes from at least three companies so you can compare their coverages and premiums.

Where to Get Low Cost Health Insurance



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