Affordable Family Insurance Isn’t As Expensive As Most People

Living without health insurance cannot only be very dangerous but it can also be very costly. Not having health insurance compromises the safety and well being not only of the people in your family but also your own. For example if you had a child who played on the HS football team and gets injured and has to be rushed to the hospital, just the ambulance ride alone can be hundreds of dollars, that you and your family may not be able to afford. The amount of money that you will have to spend on health care costs and care if someone gets injured or sick can be detrimental to the family, often causing families to lose their homes or even file for bankruptcy.

The risks of not having health insurance do not outweigh the money you are saving by not having it. There are many companies around the United States that offer affordable family insurance. Many of these companies are very well known companies in the United States such as Blue Cross Blue Shield, or Aetna. Many people have the common misconception that the only type of affordable family insurance is insurance by not well-known companies that may have a catch to it. The truth is that there is normally no catch and there are many different companies that offer affordable family insurance for you and your loved ones.

Another common misconception that many people have is that you have to have a very low or no form of income to be eligible for government sponsored health insurance. The truth is that it is possible to be eligible for government sponsored health insurance even if you and your spouse do have an income. There are many government sponsored affordable family insurance companies for you and your family. If you are over the age of 65 you most likely will be covered by Medicare, which is a insurance company that specializes in health insurance for people over the age of 65. With most types of affordable family insurance you and your family will be covered in most types of medical situations such as injuries, cat scans, MRI, vaccinations, or any screenings you or your family may have to go through. Also, with a lot of these affordable family insurance plans families will be able to have low co-payments every time a medical service is used.

This will allow families to have affordable insurance and at the same time allow them to go on with their daily living without having to spend a lot each month on insurance. This is also a great deal for most people who are worried about paying an expensive premium each month. Not only will you and your family be insured, but you will be spending a fraction of the amount that you probably thought you would be paying with the new affordable family insurance.

About the author:
Ronnie Hamilton shares his knowledge on health insurance that makes you able to find the plans that best fits your needs. If you want to know about Affordable group health insurance,affordable family insurance,affordable health insurance visit www.usa-healthinsurance.com

Article Source: http://www.Free-Articles-Zone.com

Article tags: Affordable health insurance, affordable family insurance, affordable short term health insurance

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More free articles by Ronnie Hamilton

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Life Insurance Knowledge:Life Insurance , private, death, employee pensions and annuities,life insurance, educational, life insurance companies

Long Term Care Costs in Texas

Nobody is immune from the ill effects of aging, but there are ways to combat the possibility of a financial drain from medical expenses caused by prolonged illness and disability in the future. Getting long term care insurance, albeit expensive, can give you and your family security and peace of mind.

In an effort to address the demands of Texans for quality long term care, a Long-Term Care Partnership program was created to give an incentive for Texans in planning their care needs, with the cooperation of private insurers. To protect the policy holders, these companies are obliged to abide with the state and federal regulations in selling partnership insurance policies.

Taking care of senior citizens who need long-term care in Texas, in general, is costly. According to the estimates of Texas Department of Aging and Disability Services (DADS), the cost of long term care can amount to a whopping US$660,000 in lost pensions, wages, income and social security. Texas long term care costs are dependent on the amount and type of policy you choose. At-home care expenses vary depending on the location and the level of care required. When it comes to intermediate care or assisted living, a person is expected to pay US$900 to US$3,000 per month in Texas.

The average cost for a day of nursing home care in the state of Texas ranges from US$150 to US$200, subject to several factors such as, among others, the patient’s residence and the type of services. Daily nursing home benefits are much more expensive, with expenditures ranging from $50 to $250 on a daily basis.

Residents of Texas have a variety of options in paying for long term care. In some cases, Medicaid, a state and federal assistance program, would be sufficient to pay for Texas long term care costs for eligible individuals with low incomes or those below the poverty level. A person will only be qualified for this assistance program after fulfilling the strict guidelines for income and assets.

If you fail the Medicaid qualification process, the option you have is to get an insurance policy to pay for your own long-term care expenses. Before getting an insurance coverage, it is highly recommended that you talk to your nursing facilities and know the expected costs for daily care. Facilities vary in the services and level of expertise provided, and the expenses increase as you get older. Bear in mind that there are different types of policy offered by private insurance companies in Texas. Depending on your needs, you can either purchase an individual or a group policy. Other companies also provide life insurance policies with long term care insurance as a rider. Educating yourself with Texas long term care costs and knowing all the possible options can keep you in command of your own life.

About the author:
Seth Molton writes for CompleteLongTermCare.com, an online resource of articles on long term care insurance. Visit our website to read information on Texas long term care costs.


Article Source: http://www.Free-Articles-Zone.com

Article tags: long term care

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Life Insurance Knowledge:Life Insurance , private, death, employee pensions and annuities,life insurance, educational, life insurance companies