The cost of health insurance and medical treatment is increasing day by day. As the cost of medical care and health insurance continues to rise, the demand for cheap health insurance is also on the rise.Though cheap health insurance offers only limited service, it is an excellent alternative for those who want to get health insurance at a low cost. As an ideal option for budget minded consumers, cheap health insurance offers adequate health coverage at reasonable rates.Cheap health insurance contributes to the cost of medicine, doctor visits, prescription, and hospital stays; it also provides benefits for eye care, dental work, and other medical expenses. Certain types of cheap health insurance do not cover preventative care, such as doctors’ visits. So while looking for cheap health insurance, make sure that you get what you pay for.Low-risk indemnity plan is an ideal option for those who want a cheap health insurance. Indemnity plan requires you to pay coinsurance amounts and certain deductibles. With indemnity plan, it is possible to modify coinsurance amounts and deductible levels to fit your particular budget. Even though the coverage provided by the plan is of low quality, low-risk indemnity plan is found to be beneficial to budget minded customers.With the help of an insurance agency or an insurance broker, you can find an affordable cheap health insurance. Another option to find cheap health insurance is to browse the internet. There are countless insurance companies that offer all types of health insurance.There are several points to consider prior to purchasing cheap health insurance. The premium cost and coverage of health insurance varies from insurance company to insurance company. So it is necessary to compare cost as well as coverage before choosing a health insurance plan. Also, make sure that you are buying health insurance from reputed companies.
The Texas Hospital Association (THA) is urging lawmakers in Dallas, Houston and throughout the rest of the state to take the right steps to make health insurance more affordable and accessible to individuals in Texas. The state ranks first in the country in the percentage of uninsured residents (24.6%).“Cover the Uninsured Week,” which is observed nationally to highlight the importance of access to affordable health care benefits, has garnered particular attention in Texas where Gov. Rick Perry has localized the awareness effort by proclaiming April 23-29, 2007 as Cover the Uninsured Week in the Lone Star State.”Everyone pays the price when individuals, families and small businesses cannot afford health insurance,” the Governor stated. “The increasing costs of uncompensated care place a strain on Texas hospitals, other health care providers and on the quality of care every patient receives. Texas recognizes the urgency to take meaningful steps to make health insurance more affordable and accessible.”Nearly one quarter of Texas residents — approximately 5.5 million men, women and children — is uninsured. In addition, the uninsured rate in every major Texas city is higher than the national average, and Texas’ share of uninsured children, more than 25 percent, also is higher than the national average. In 2005, eight in 10 non-elderly uninsured Texans came from working families — nearly 70 percent from families with one or more full-time workers.”Texas hospitals are working with our elected officials in the battle to provide health care coverage to more Texans through the private sector as well as state-funded programs such as Medicaid and the Children’s Health Insurance Program,” according to THA President/CEO Dan Stultz, M.D., FACP, FACHE. Stultz said, “We know that access to affordable health insurance affects all Texans — because we all pay the price when Texans don’t get the care they need.”In addition to working to reverse cuts in Medicaid and CHIP funding, and restoring provider reimbursement rates, the THA supports a number of private-sector measures to increase the number of Texans with health insurance coverage. These measures include:• H.B. 882 by Rep. Elliott Naishtat/Rep. John Davis (S.B. 922 by Sen. Kirk Watson) — These measures authorize counties to establish or participate in regional health care programs, which would provide health care services or benefits to the employees of small employers located in the participating counties.• H.B. 1182 by Rep. John Davis — Requires that state agencies and school districts consider whether a vendor provides health care benefits or equivalent health savings benefits to its employees when awarding a contract for goods or services.• S.B. 1023 by Sen. Royce West — Limits the use of money in the Texas Enterprise Fund to recipients that provide health benefit plans.• H.B. 3321 by Rep. Vicki Truitt — Requires students to be enrolled in a health benefit plan and to submit proof of health insurance before enrollment at a public institution of higher education.
• H.B. 3361 by Rep. Garnet Coleman (S.B. 1681 by Sen. Kip Averitt) — Requires that health care benefit plans allow unmarried children of any age to be covered under a parent’s or grandparent’s health insurance policy or plan if the cost of the premium is paid.When uninsured Texans are sick, they currently often turn to hospital emergency rooms because they have no primary care physician. Stultz noted that nearly 20 percent of people who lack health insurance report turning to the ER for what is often routine care, compared to only three percent of those with insurance coverage, according to the National Coalition on Health Care.”Using hospital emergency rooms for non-critical care takes precious time and scarce resources that doctors, nurses and other health care professionals could put to work for those patients who truly need life-saving care or intervention for serious medical conditions.” Adding that Texas hospitals spent more than $10.1 billion in 2005 to care for patients who have no health insurance, Stultz said, “The costs of uncompensated care strains our physicians’ and hospitals’ ability to provide quality care to all patients — regardless of their insurance status. It also places undue burdens on local taxpayers, workers and health care consumers.”Health care experts say that increasing the number of people with health insurance will further enhance the quality of care and help reduce the losses that result from doctors and hospitals treating patients with no health insurance. Uncompensated care limits the financial resources available to invest in new technology, electronic communication, education and other enhancements that would improve patient care and outcomes for all patients.If you’re a young, healthy individual who lives in Dallas, Houston or elsewhere in Texas and you’re going without health insurance, you’re running a considerable, and unnecessary, risk. Instead, you should take a look at the revolutionary, comprehensive and highly-affordable individual health insurance solutions created by Precedent specifically for young, healthy individuals. For more information, visit us at our website, [http://www.precedent.com]. We offer a unique and innovative suite of individual health insurance solutions, including highly competitive HSA-qualified plans, and an unparalleled “real time” application and acceptance experience.
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