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How to Get Health Insurance

In this day and age in America, you are not alone if you are not 100% sure on what is going on with your medical insurance. From public health care reform to jobs and employers changing benefits left and right, to downright losing your job and insurance all together, it seems like more Americans today are worried about their medical coverage than ever before. If this sounds like you and is something that is stressing you out, donít give up. You may have fallen on unfortunate circumstances that have prevented you from getting medical insurance in the past, but this doesnít mean you can still get the health coverage you need at costs you can afford. If you have pre-existing health issues, or have lost your insurance for one reason or another, read here on invaluable ways that you can still get the insurance you need without going broke.

Health care reform is a new term to America, and it means good news for you if you have previously had problems getting medical coverage. Though this may not help you today, very soon this year you will start to see health care reform affect the insurance policies of every single American. What health care reform will do is literally eliminate the possibility of ever having to be rejected for medical coverage. This will begin with children later on in the year of 2010, and soon after that every American will be eligible for health coverage no matter what.

If you are excited about health care reform but still need medical coverage now, you may want to look into other more affordable options that could save you money on premiums down the road. COBRA is a very viable option for many Americans that are suddenly without work and without the health coverage that comes with that. COBRA acts as a temporary solution for those suddenly left without coverage, without it, you could end up paying 100% of any medical costs.

You can purchase COBRA insurance separately and use this until you are able to get full coverage on your own. Many families find this to be an expensive option, but programs through the American Recovery and Reinvestment Act will help to reduce those costs. COBRA is not an option for permanent use, you can often use it up to eighteen or thirty-six months, but it may be a very viable option for your family while you wait for health care reform to kick in.

Group insurance is frequently the least expensive way to get health coverage if you are running out of options. You can create a group with one other person, and in some cases, even other families as well. This kind of insurance works exactly the way a group plan does in a corporate setting, you just add users on as an employer would with you. Not every insurance company offers this for groups outside of business, but by calling around, and asking some neighbors or other family members to join you in a group plan, you may find getting health care coverage easier and more affordable than you think.

Whether you are looking for individual health insurance or short term health insurance, the important thing is to never give up. It can be a challenge in this day and age to get the right health insurance coverage, but every American is entitled to adequate health care no matter what their pre-existing condition or situation is. Asking around and getting a little creative may be the only things you need to get the right medical coverage today.

 


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