Affordable Health Insurance for the Unemployed

Being unemployed can be a financial downside to say the least. You may be dependant on someone else to cover your daily expenses such as a place to live and food to eat. Health insurance is something that everyone needs and not enough people have available because of these other financial burdens. Any emergency such as a car accident or broken bone will require adequate medical assistance. What do you do when you don't have insurance and can't afford expensive medical bills? If you are unemployed, you need to find health insurance to prevent this from happening.

COBRA is a law in which many people could be eligible to remain on an employer's health insurance plan even after they lose their employment. The most ideal person for this coverage is someone who is between jobs and is not in need of long-term help. It can last at least a year to those who qualify, but the premium amount is still an expense that some unemployed individuals may not be able to take care of with their lack of income. If you are able to pay the premium and are eligible, COBRA will also cover your spouse and children who are dependent on you for insurance. The best way to determine if you could receive health insurance is to contact your local employer's benefits department and fill out the required forms.

You can also shop around for typical health insurance. Many free Internet services are proven reliable by the Better Business Bureau Online. By speaking with one of these insurance experts, you can get help finding the most affordable health insurance that will fit your specific needs. They know the rates of thousands of insurance companies and can fix you up with appropriate coverage for your specific needs. If you have a spouse or children, having health coverage is a necessity. Life is full of unexpected events and you cannot ensure that everyone will stay completely healthy until you have insurance again because accidents do happen.

Finding an affordable coverage rate on your own can be a hassle. The experts at these companies are offering their assistance to you, often as a free service. Whether you need to find something short-term or for an extended period, they are qualified and dedicated to helping you.

If you find yourself unemployed at any time in your life, you are probably without health insurance. This can be a nightmare whether you have a family or not because medical expenses can put you into debt quickly. Luckily, there are ways of finding affordable coverage providers that can keep your health, as well as your finances, safe. A simple doctor visit can cost you significantly more money than it would with insurance.

Do not let yourself become one of the many people who are unfortunately living life without proper insurance coverage.

The Benefits of Low Cost Health Insurance

To protect and preserve one's health, low cost health insurance is needed. Due to the increasing costs of doctor's professional fees and hospital charges, there should be low cost health insurance available to everyone. US government statistics show that more than 40 million Americans do not have low cost health insurance. Health care prices are rapidly and continuously going up and many people cannot even afford basic health care insurance.



Low cost health insurance are programs that offers health insurance policies at a much lower price. Students, the unemployed and low-income families are the best candidates for such low cost health insurance. These people can choose from a list of low cost health insurance policies that offer coverage at a minimal price. These low cost health insurances offer low premiums compared to the other health insurance programs out there.  In some of these  plans, the employer pays part of the premium. It is important that, although not expensive, the plan should fit the individual's needs. The low cost health insurance plan should also offer protection against major illnesses such as cancer and diabetes.

The disadvantage of low cost health insurance is that, because of the lower premium, there are also less benefits. The low cost health insurance typically offers basic coverage such as paying the cost of hospital, surgical, and physician bills. Operating room, diagnostic procedures, anesthesia, and laboratory expenses are usually covered also. However, individuals with low cost health insurance get very few of the great benefits that are offered by other health insurance programs such as surgical expenses including the assistant surgeon's professional fee, ambulance service, blood transfusions, oxygen, prescription medications, and even prosthetic devices.

Student health insurance is a type of low cost health insurance, which offers insurance to full time college students between the ages of 17 to 19. The undergraduate students must be enrolled in at least nine credits to quailfy for this type of insurance. Graduate students may also apply for this type of low cost health insurance program. These students should be enrolled in a college or university that is recognized and accredited by the state. Universities and colleges usually offer this type of student low cost health insurance so if college bound, check the coverage being offered because each university's insurance policy is different. Other low cost health insurance providers can provide student health insurance also.


The most important advantage of this low cost health insurance program is the cost. A low premium is offered. It is also recognized even if the student transfers to another university or college. The standard college student health insurance program is a low cost health insurance policy that costs less but has fewer benefits. Independent individual policies cost more but offer much better coverage.

What you need to know about travel health insurance

Traveling to a foreign land or to any location where you are basically on your own and you don’t know anyone can be pretty daunting. This is especially true with people who are no used to much traveling and are doing it for the first few times.



Although traveling is basically worry-free with the advancements in technology that allow for faster delivery of information, situations like lost baggage, missed flights, canceled flights do happen. But all these bad luck cannot seem to compare with illness contracted while traveling.

Often the changes in temperature and weather patters wreak havoc on your body. Often, these are people who have traveled to a certain location for the first time and have not yet acclimatized himself. There are also certain countries like those in the tropical areas where different kinds of disease can be contracted. In addition to extreme caution, most airlines and travel agencies advise travelers to get a travel health insurance just for these kind of things.



What is a travel health insurance?



There are actually different types of travel insurance in the market. Some are even part of the ticket cost that you have paid for whether traveling by air or by sea. In fact, recent terror attacks have also given birth to a different kind of travel insurance. Most of the time the insurance with the ticket will cover accidents that happened during flight. It will also cover cancelled flights or flights that stopped midway.



Travel health insurance, however, is an insurance that you have to purchase yourself. This is often availed by people who are planning to stay in a foreign country for a longer period of time. In fact, most travel health insurance are offered to people who are planning to stay in country from a minimum of two weeks to a year. For travelers who will be staying for more than a year, the insurance package is renewable up to two years.
One of the most common kinds is the International Medical insurance, which can reimburse the medical expenses that you will incur in case you get sick while you are traveling or while you are in a foreign country.

Depending on the package that you have availed of, it can even cover for your extended stay in the hospital as well as for emergency surgery. Some travel health insurance will also include coverage for emergency evacuation just in case you are needed to transported to another location for treatment, accident and death benefits as well as other travel assistance services. As part of their service insurance companies who offer travel health insurance provide coverage without the benefit of underwriting. This means that the person need not undergo medical examinations just to avail of the package.

Another kind of travel health insurance is the Annual Medical insurance that offers higher maximum coverage levels and an option to include members of the family. This is already a combination of a health insurance and a life insurance. This kind of insurance is usually availed of by expatriates and their families who will be staying for an extended period of time in a foreign land.



The same also goes with employees who are assigned to work abroad. There are even plans who will provide coverage for both the home country and the foreign land in case the person go to both countries every so often.