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Basic Health Insurance

Basic health insurance is a great option for many people. Essentially basic health insurance provides a low-cost option for health insurance that will provide some degree of coverage in the case of illness or injury. You pay a low monthly premium, and basic health insurance pays you a fixed amount per procedure when you need health care.

Individuals Who Need Basic Health Insurance

Basic health insurance appeals to a wide variety of consumers and fits the needs of many people. This relatively new health insurance product is growing in popularity because of its affordability and versatility. Some of those who are interested in basic health insurance include the following.

Those with group health insurance that does not adequately cover healthcare costs - Some group health insurance plans are very limited.

People who cannot afford health insurance whatsoever - Even though basic health insurance is meant to be a supplement to another plan, if it is all you have, it is better than nothing.

Individuals who are self-employed - Anyone who does not have access to group insurance and is ineligible for individual insurance because basic health insurance will pay even on pre-existing conditions after the initial time period has passed, usually about 6 months to 1 year.

Young singles with no dependents - While this type of coverage is not nearly as comprehensive as a traditional health insurance plan, it will give you a moderate amount of coverage if it is all you can afford. In addition, if you invest in basic health insurance as a supplemental policy to fill the gaps left by your regular insurance, you will benefit greatly, as this is the intended purpose of basic health insurance.

How Basic Health Insurance Works

Basic health insurance is a benefit plan that pays you as you use healthcare services. Typically there is a fixed amount allotted for each of the health procedures that are covered. If you have any of these procedures or provider visits, you file a claim and are paid directly. It is sometimes possible to assign the benefits to a third-party, such as having the plan pay the provider directly, but this is not typical of a basic health insurance plan.

Things You Can Do To Keep Basic Health Insurance Rates Low

If you are in the market for basic health insurance, you are probably trying to get a good deal and spend as little as possible on it. Whether this is your only health insurance or your supplemental policy, most basic health insurance policy holders have a budget in mind. Some things you can do to ensure the rates are as low as possible include the following.

  • Raise deductibles on the policy.

  • Opt for higher co-payments and co-insurance if possible.

  • Shop around and compare a variety of prices on this type of policy.

Even though basic health insurance is a relatively new product on the market today, there is a lot of need for it. So many people suffer because of gaps in coverage and so many others suffer because of complete lack of health insurance, which should never be the case in the western world. Surprisingly, this coverage is only available in a limited number of states.

As with any insurance you buy, it is important to compare a variety of quotes. Therefore you will want to take your time shopping around for quotes from a several reputable companies. Be sure to check the reputation of any company you plan to go with before signing a contract. You can get a rating based on economic strength and stability from an independent auditor like A.M. Best or Standard and Poor’s. Most state departments of insurance will have data available on complaints filed against an insurance company. This will help you determine if a company has good customer service or not.

Compare Basic Health Insurance Quotes Online!

If you feel that basic health insurance is the product that you need, it is easy to get started. You can simply use our free quote comparison tool to get the quotes you need from top insurers serving your area. Answer the questions as prompted and before you know it you will be comparing and contrasting basic health insurance quotes. There are even independent agents available, if you choose to use them, who will help you make the best decision possible for your basic health insurance needs. Get your quotes for health insurance now!