Affordable medical insurance coverage is something all Americans want. TV advertises a medical health insurance policy that sounds so enticing and affordable it is hard not to respond. Correct custom medical insurance coverage is such a difference from just a plain medical health insurance policy purchase. Examine why.

Divorces, jobs, and alternative life styles cause millions of Americans to be afraid of not obtaining affordable medical insurance coverage. Afraid not only of obtaining an illness, or getting involved in an accident, but also of something that often outlasts the illness or accident. That of course is the medical costs of treatment. While some unfortunately have no guilt of never paying back the medical expenses incurred, the majority of Americans do.

With auto insurance you can purchase coverage to fix your car after your is auto is already wrecked. Nor will it cover items like a broken windshield, if the windshield was broken before coverage went into effect. Fortunately, states have laws requiring you to purchase at least minimal coverage if you are going to drive your car. In addition, there are hordes of small town police and state troopers ready to write a series of tickets if you do not follow tons of rules and regulations, plus drop or go without insurance coverage.

Your state will not ticket or fine you if you do not have medical insurance coverage. However, if you feel it is for your benefit to obtain medical health insurance, there are hundreds of options from which to choose. There also is a wide range of prices for you. One 40 year old woman pays over $600 a month for coverage. Another 41-year-old woman gets a policy that is around $200 a month or less. A proposed incentive savings of $4,800 annually that is hard to not accept if an uncovered adult is financially strapped.

Using a current example, each woman has unexpected critical pains and rushes to the hospital. The diagnoses involves minor surgery, which requires 5 days as an inpatient and calls for specialist follow-up and outpatient care for three months. The total bill equates to $12,000 for the hospital and $3,000 for outpatient care. This is just for one occurrence. (personally, I have been an inpatient for four occurrences twice during the previous 7 years, and totals 18 in this time span).

MAJOR MEDICAL COVERAGE – The 40 year old woman paying $600 monthly either with a health insurer, HMO- Health Maintenance Organization, or PPO- Preferred provider organization. Her plan probably has a zero deductible, $10 doctor co-pay, $2,000,000 or more limits, and a $3 to $10 co-pay for prescriptions. It likely had a no pre-existing condition clause, or at worst pre-existing conditions covered after 90 days. Out of this $15,000 medical occurrence, she probably paid for a few items. Her telephone and TV in her hospital room, $60 for 6 doctor co-pays for after treatment, and say $15 monthly for 3 prescriptions to take over the next 12 months. These three prescriptions alone, without coverage, could cost $250 monthly.

MAJOR HOSPITAL COVERAGE – This 41-year-old woman pays $200 month for the major hospital coverage policy she bought as a result of a television commercial Unlike major medical plans, major hospital is usually an indemnity plan. Indemnity meaning reimbursing a certain total amount or percentage for policy covered conditions. Under an indemnity plan even if you use an extreme amount of benefits, it is rare than the amount paid out equals your yearly payments. So paying $2,400 annually and leaving the insurance company 25% or more for overhead, profit, and claims processing would equal around $1,800.

MORE MAJOR PROBLEMS – The woman with medical insurance coverage for major hospital could have $8,200 of hospital costs, $3,000 for outpatient care, and $3,000 for prescriptions. That equals $14,200 just for that, even though she had purchased and paid for a medical policy. What about other illness or accidents that could occur in the next 12 months should she change to another affordable medical insurance policy with major hospital benefits. It will often exclude her pre-existing condition permanently. She is bleeding financially for her poor choice. The saying is “don’t get burned again.”

PREPARING FOR THE FUTURE – All is not lost. Although this woman, most newer agents, plus those representative not helping loads of people with their medical coverage think all is lost. The resident state often has up to 300 companies, HMOs, and PPOs offering either major hospital or major medical coverage. Unfortunately, only 50 to 70 of these may offer a high deductible major medical insurance policy. Way less than 10% of life/health agent have ever sold even one. Less than 20% of agents could on the spot answer what a HSA is, let alone explain benefits of eligibility. Fewer than 5% have helped a person enact one.

THE SOLUTION – no one can predict new illness and accidents, when they will occur, or how much they will cost. Even though it has been many, many moons since I sold health insurance, I can put on my free advisor hat. If you can afford it, purchase medical insurance coverage labeled as a major medical plan OR a high deductible major medical plan with a government approved HSA, Health Savings Account. If this not affordable, avoid the insurance company money making major hospital plan. Instead, find a smart insurance agent, which will offer you a major medical plan with a $2,500 to $5,000 deductible, which will very affordable.

Unlike doctors and pharmacists, a hospital will work out a plan with you to pay an unpaid balance. $50 a week would pay off a $2,500 balance in a year. Something both of you might find realistic. Read additional articles like mine on topics like major medical, high deductible, or Government endorsed Health Saving Accounts. Alternatively, search the internet for more information. Either way, do not purchase “affordable medical insurance coverage” until you know ALL the solutions.

More Information: Family Health Insurance Quote, Family Medical Insurance

It should be common knowledge that the younger you are when you take out a life insurance policy, the cheaper it will be. Unfortunately this is not the case! Many people only believe that they need a life insurance policy when they have dependants to look after. Then they are awakened to the fact that they will be leaving loved ones behind when they are gone. All young people should get into the mindset that they have a future ahead of them, a future which will often include children. Even if one does not have any children, there will undoubtedly always be someone left behind when they have passed away. It is better to start planning for the future as early as possible. It is also great to keep in mind that your premium will be much cheaper if you take the policy out when you are young.

When you take up a life insurance policy, they will ask you quite a large number of questions, almost all of them health related. The healthier you are, and the less illnesses and ailments you have had in the past, the cheaper your premium will be. This is why it is important to maintain a healthy lifestyle when you want to take out a life insurance policy. Even if you have taken one out before, and are now venturing for a second one, it never hurts to be healthy when it comes to how much you will have to pay monthly. This is not even taking into consideration the benefits to self of living a healthy life.

The life insurer will usually ask you if you are a smoker. This is because smokers usually live shorter lives than their non-smoking counterparts. Smokers are normally afflicted with a series of ailments as a direct result of their smoking. The best thing you can do for yourself, and your premium, is to stop. Never lie about your smoker status. If you do smoke, and lied to your insurance company about being a non-smoker, then you could risk them not paying out to your beneficiaries if you do indeed die of smoking related causes. If you smoked at the time of taking out your policy, but have since stopped, inform your life insurance company. You could be liable for a lower premium in your new smoke-free state!

Some life insurance companies will want to know if you are actively involved in sports or are a member of a gym. Being healthy and fit will also help your life insurance premium. As you can see, there is no end to the benefits to self and to your premium if you live a healthy lifestyle. It cannot be stressed enough that you must be as honest as possible with your insurance policy, because you do not want any problems with the payout when you have passed away.

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I love to write about a variety of interesting topics. I do not have a favorite topic in mind, but I really enjoy writing about almost anything right now. At this time I am starting an online business. I have been known to write about credit cards, insurance, Spanish, English, Chinese, Japanese, French, Italian, German and other languages. I speak several different languages and currently I’m going to school to acquire a bachelors degree.

When I’m done with school. I will continue to do SEO work and write articles. I enjoy, writing articles, because I’m able to learn more about the topics that I’m not very familiar with. Of course, I have to learn about the topics first and I do much of my research on the internet. I am then able to write about what I have learned on that topic. For example, if I am learning or if I am going to write an article about a topic, I first go online and I research that topic. Sometimes it only takes me a few minutes when I am somewhat familiar with the topic already. It depends to a great exent, on how familiar I am with the topic. Sometimes it might take me an hour or more to learn about the topic. Either way, I am continuing my education.

I look at all kinds of sites. I like to look at sites like yahoo answers, Google News, Yahoo news, CNN, Fox news, press releases and other reference materials. Anyway, after I have researched the topic well and that I can write something from off the top of my head. To give you an example this time I will write about Value Chain Strategies. I write this is down on my computer and I begin typing. I’d like to type out then run through it once again to make sure it flows nicely and check for grammatical errors. In the article I will be sure to include useful information to readers, Value Chain Strategies . After that I’m done.

I then set the article aside and maybe wait a few hours, sometimes the day and I’ll get back to it later with fresh eyes and a good night’s sleep, and I’ll see the article, and again review it for any errors or any changes needed. I like to see if it might sound better if it were put in other words, sometimes more precise and condensed. Then I’m ready to publish what I wrote, so I find the place where I want to publish it, and I submit the article. The article is then reviewed. It is usually accepted and I can go on in the next topic of choice. After the readers have the information, with useful references, then they can make a smart choice.

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