Health care reform is at the top of the agenda on the national stage. Obesity, diabetes, heart disease and cancer are crippling and taking lives every day. Now, more than ever, Americans needs quality, dependable health insurance as a preventative measure as well as to care for existing medical needs. Free health insurance quotes help individuals and families find the right coverage that will provide the healthcare they need when they need it.
There are many hard working Americans who desperately need health insurance, but simply cannot afford it. Often, the premiums are simply beyond their reach. A Harvard study recently reported that estimates nearly 45,000 annual deaths are associated with lack of health insurance.
A research team from Harvard found that working-age Americans that are uninsured risk a significantly higher death rate. The death rate is up by 25% compared with 1993. Those who are in need of health insurance can begin and end their search on the web. Free health insurance quotes are readily available for the medical coverage needed.
When searching for free health insurance quotes, keep in mind that most plans cover such things as physician visits, hospitalizations, surgeries, prescription drugs and lab tests. These as well as other vital benefits are necessary to include in your online insurance search. Leading health care providers such as Blue Cross Blue Shield, Cigna and Aetna offer competitive rates for individuals and group coverage. Employer group coverage is the most popular and inexpensive coverage available because the employer covers a large portion of the premium as a part of the employee benefits package.
Consumers can obtain free health insurance quotes by consolidating their search and getting health insurance quotes from several providers at once. This method expedites the search for health care coverage and allows consumers to assess what each provider has to offer in much less time. More detailed information is needed to make a final decision, but at least consumers can start the ball rolling with the basic information they already have.
Another confusing issue can be the coverage type. There are some types of coverage that are very common. These are, in particular order, HMO or Health Maintenance Organization which is going to pay a major portion of the health care. Indemnity which does the same, but will not pay for medical issues that are already in existence. There is PPO or Preferred Provider Organization which allows for physicians to be seen who are not involved in the program. Finally, POS which is more lenient than the other types but which may be more expensive.
Dr. Steffie Woolhandler, Harvard study co-author, professor and primary care physician, stated, “Historically, every other developed nation has achieved universal health care through some form of nonprofit national health insurance. Our failure to do so means that all American’s pay higher health care costs, and 45,000 pay with our lives.” With all of the inevitable circumstances that Americans experience, quality health insurance is fast becoming a vital component for family living.
Health problems are on the rise, so health care professionals are being vigilant about promoting proper diet, exercise and preventative healthcare. Obtaining free insurance health insurance quotes helps health consumers to consolidate the health insurance information they need to make the best choice for themselves and their loved ones. Protect yourself with good, quality healthcare coverage.