Cheapest Health Insurance - Questions And Answers

Carol asks…
What are cheapest health insurance plans?
I don’t have a job right now but I need insurance because I’m on much needed medication.

jeremy answers:
The problem you’ll have is not finding a cheapest health insurance plan but in finding a plan that will cover your medications. Most pre-existing conditions will not be covered without a waiting period and with some conditions you can be declined. Contact a local agent that works with all of the major companies in your area. The agent can work with you to find a company that may accept you and on what terms. There is no charge using an agent.
FYI – depending on the condition and company the possible terms will be full acceptance, accept but not cover your condition for a period of time, accept and not cover your condition permanently, accept and cover with an increased premium, accept with an increased premium and still not cover your condition for a period of time, or outright decline to accept you.

Thomas asks…
California – Cheapest health insurance plans?
I don’t make a lot of money so far.

jeremy answers:
Medi-Cal. If you have children and make too much money for medi-cal you might qualify for healthy families. It is for working families that make too much money for medi-cal.
Healthy Families is a great program for kids. And, it’s dirt cheap. Only problem is that it does not cover adults.

James asks…
Is a person allowed to have 2 health insurance plans at the same time?
I have cheapest health insurance that has a $4,000 deductible. I want to see a doctor. Can I open a new policy with a different company that has a low deductible, go to the doctor, and then cancel the new policy? I will save a lot of money if I do this.
I don’t want to cancel my original policy. I just want a temporary better policy so I will avoid the deductible.

jeremy answers:
You can have a primary and a secondary insurance. If you are interested in canceling the first policy then you will have to show them that you are currently being covered by another policy. Good luck.

Sharon asks…
What is the cheapest health insurance plan in texas?

jeremy answers:
Here you can find the best offers for your cheapest health insurance in texas , I hope it helps you
heinsurance.notlong.com

Robert asks…
What is the cheapest Health Insurance Plan (Temporary)?
I just need 6 month coverage because as we all know since Obama passed this health reform I will be going back on my parents insurance

jeremy answers:
Companies do not write policies in every state. You’ll need to contact a local agent that works with all of the major companies in YOUR state to find the best plan for cheapest health insurance. The premium is the same using an agent or doing it yourself and you’ll have someone local that can explain what you get and, more importantly, what you don’t get with any policy.
BTW – That portion of the bill goes into effect 9/23/10. You can go back on your parents’ plan when in RENEWS after that date. Policies can renew at any time during the year and on the first of a month, so if you’re unfortunate enough that your policy renews in September you’ll have to wait until September 1 2011 before you can get back on the plan.
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