Cheap Health Insurance Plan
The economy has seen better days that's for sure, but the cost of Health Insurance continues to rise. If you are like me, then you are looking for a cheap health insurance plan, or at least to reduce what you are already paying. As health insurance premiums rise insurance companies like Anthem Blue Cross are constantly coming out with new plan designs that are more flexible. I am going to share with you some of the best plan designs that are available and how to customize them.
To find cheap health insurance first we have to start with the right plan. We want to look for a health plan that covers basic necessities and covers everything when it comes to accident or illness. Basic necessities would include doctor ofice visits, physical exams, lab work and prescriptions drugs. Also we want coverage that will cover us for any major illness or injury, where we would be responsible for our deductible.
There are three plans that we will compare from Anthem Blue Cross to get our cheap health insurance plan. The three health plans are called SmartSense, CleapProtection and CoreGuard.
If you want basic cheap health insurance plan then CleapProtection is your plan. It gives you basic coverage on doctor office visits at $40 copay, covers your once a year physical with a $25 or $75 copay, covers your generic brand prescription drugs with a copay starting at $15 and gives you a choice of three deductibles (1,000, 3,300 and 5,000) for your catastrophic accident and illness coverage. Also ClearProtection right now offers a two year rate guarantee*
If you are looking for just basic cheap health insurance plan when it comes to just catastrophic care for accident or illness then CoreGuard is for you. It is really simple to understand, then plan start to cover only when you meet your deductible. Then only thing that is covered before the plan deductible is your prescription drug coverage. Plan offers seven deductible choices; 750. 1,500. 2,500. 3,500. 5,000. 7,500. 10,000.
SmartSense plan gives you overall best value for your money. With SmartSense you get a relatively low doctor office visit copay of $30 and annual physical exams are covered with $25 or $75 copay. With prescription drug coverage you have two choices Standard and Upgrade. The difference is the deductible for specialty and brand name drugs. With Upgrade it is 500 with Standard 7500. You have a choice of four deductibles for accident or illness; 500, 1500, 2500 and 5000.
Getting a Quote and Comparing Cheap Health Insurance Plan
Fist I am going to get a quote by going here: Get Individual or Family health plan quote. I am going to be asked to type in my zip code. I am going to use as an example area code for San Francisco. On the following screen I am going to be asked for my date of birth, how ling I might need the coverage for and date on when I might want my coverage to begin. For question "For what length of time do you need coverage?' I always leave "More than 6 month". It does not mean that I have to keep the coverage for 6 month. With option "More than 6 months" I can keep my coverage for as little or as long as I want. With "6 months or less option" my coverage will automatically expire in less than 6 months.
For this example I am going to use single male age 34. Click next to continue to the next screen. On the following screen you are going to see four "cheap health insurance plans" organized in columns. My my screen I have four health plans displayed; SmartSense, ClearProtection, Lumenos HSA No Maternity and 3500 HSA. You might have different health plans displayed to you. To compare health plans we have been discussing you would want to click on "View All Plans" it is going to be toward the middle right of the screen right above the fourth plan name.
Now to compare "cheap health insurance plans" we have been discussing all you have to do is click on "Add to Compare" below each plans name.
After you have added all the plans click on "Compare Selected Plans" above all of the plan names.
On the following screen you will see three plans side by side for you to compare. You can change your deductibles to see how it effects Monthly Premiums. For my example that I have used for 34 year old male, ClearProtection is $75 a month with a 5000 deductible, it looks like a cheap health insurance plan to me. On top of that I get a two year rate guarantee.
When you are ready to submit application to see if you are qualify just click on "Add to Cart" and continue with the process.
