Despite the recent healthcare reform, good family medical insurance is still one of the most valuable benefits included in the employee benefits packages. The medical expenses caused by even the simplest of procedures are enormous, and more serious conditions may lead to a mountain of debt that may take decades to pay off. On the other hand, people with insurance are able to protect themselves by continuously paying a certain monthly fee indifferent of whether they need medical assistance in that specific month. In cases of medical care being needed, the insured individual may need to pay only a small percentage of their actual medical bill, with the majority being covered by their insurance company. Considering that the most basic visit to the emergency room costs around $1000 in the United States, with longer hospital stays often leading to 50, or even 100 times that amount, spending several hundred dollars per month may be a small price to pay for health insurance coverage.
Despite many people seeking health coverage, finding family medical insurane may not often be the easiest thing. Considering that many health insurance providers have specific rules and regulations related to the person’s age, lifestyle and preexisting conditions, finding affordable insurance rates is often a long and complicated process. The Affordable Health Care Act passed in March of 2010, commonly referred to as the healthcare reform, has provided certain options for individuals previously unable to receive an employer-subsidized insurance plan or afford individual health coverage. However, some of the act’s benefits have yet to become effective, and the discrimination based pre-existing health conditions when providing medical coverage will officially be prohibited in 2014. On the other hand, the legislative measure already allows younger individuals to remain on their parent’s insurance plans until they reach an age of 26. This measure thus provides an efficient medical coverage until such young people may find suitable jobs that may offer health insurance as a part of their benefits package.
For people seeking an individual health insurance plan, there are many ways of finding a plan best suited to the person’s needs. As is the case with many other things, the internet provides multiple solutions to this issue as well. Currently, there are multiple sites specializing in providing their users with health insurance quotes based on their basic personal information. Such quotes can often be received in seconds, after providing on the person’s age, zip code, and answering few general questions regarding their lifestyle. The generated quotes and their corresponding health insurance plans will often range from the most basic types of coverage, to the more expensive types of health insurance that may include vision and dental benefits as well. Ultimately, the individual will have to select the plan that is affordable to them, based on their salary and their existing monthly expenses.