Low cost medical insurance major health

Finding a good insurance policy is a little like finding one fish in a school of thousands – everything looks so similar, how can you possibly know which is the one you want? Here, we can help you make sense of all the choices on the market today. We offer the largest bank of information about low cost medical insurance, and pride ourselves on making the major health insurance decision process easier for customers of every age. With our technology, you can search insurance offerings by region, policy requirements, even price points. It’s all part of our commitment to providing you with the fastest and easiest choices around.

As a single parent, you'll probably find that the most cost-effective way to provide low cost medical insurance for your child is to add him or her to an existing employer-sponsored major health insurance plan. The cost of this option will vary, depending on the type of coverage the employer offers and whether the employer pays all or part of the cost. Find out if your employer offers employee child coverage; typically, this type of coverage is significantly less expensive than family coverage. In some cases, you may be better off seeking out an individual low cost medical insurance policy for your child. Some major health insurers offer specialized policies designed just for kids. This coverage may be somewhat expensive for infants, but the cost generally drops after the child's first year.

Low cost medical insurance coverage for your child becomes a bit more complicated when you are a single parent who is divorced. You'll need to figure out whether your health plan or your ex-spouse's health plan is responsible for paying your child's health-care claims. If your child is covered by both major health plans, generally the plan of the parent who has custody pays the child's health-care claims first, while the plan of the parent who does not have custody pays second. However, if a divorce court has stipulated which parent is responsible for the health-care expenses of the child, the responsible parent's health plan pays the child's health-care claims first.

If you are adopting a child, whether the child you are adopting has health problems that can be corrected with proper treatment or the child has a medical condition that will require ongoing care, you may be concerned that your low cost medical insurance provider will refuse to cover your child because of his pre-existing condition. Fear not! If you have group health coverage, the Health Insurance Portability and Accountability Act of 1996 bans group health insurance carriers from excluding newly adopted children from coverage because of pre-existing conditions. The law also includes a “portability provision,” which stipulates that if you change jobs and enroll in a new major health insurance or low cost medical insurance plan, your adopted child must be covered by the new carrier.

Once you’ve narrowed the field to three major health companies from which you’d buy insurance, use our resources to obtain price quotes from each. Though these price quotes can change over time, the quotes should give you a good enough idea of how expensive the policy you want can really be. Equipped with this information, you become a much more educated consumer. In the long run, that means you’ll choose the low cost medical insurance that’s best for you.

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