Many people think by getting a “good job” they’ll have a “good health benefits package.” That is just not always the case. Sometimes we find our dream jobs – great pay, weekends and holidays off, many opportunities to use our skills and advance – only to find out our dream jobs do not offer employer-sponsored health insurance. So, we start looking for individual insurance policies to purchase, but just do not have the money left over after the bills are paid to pay the higher premiums.

It is a vicious cycle, but it can be stopped thanks to New York State’s Family Health Plus. The Family Health Plus plan was created for adults between the ages of 19 and 64 who can’t find affordable health insurance in New York. Maybe their employers don’t offer group health insurance plans, or maybe they can’t afford to purchase an individual health insurance plan on their own. These are the New Yorkers who are considered to have too much money or assets to qualify for Medicaid; at the same time, they make too little money to afford either out-of-pocket health care costs or individual health insurance plans.

The great thing about New York State’s Family Health Plus plan is that you don’t have to have children in order to be eligible. Single adults as well as married couples without children are eligible for the Family Health Plus plan.

Plus, it costs nothing to apply for and enroll in the Family Health Plus plan, nor will you be required to pay deductibles. You will, however, need to pay co-payments at the time of medical treatment.

The Family Health Plus plan offers coverage for, but not limited to, doctor visits, in and out patient care, emergency room visits, vision care, diabetic services, behavioral health services, and even family planning.

For more information about this affordable health insurance in New York, contact the New York State Department of Health.

By: Elizabeth Newberry

Basic health care is something virtually everyone needs at some point in their lives. Even people who are incredibly healthy take ill or are involved in an accident from time to time. For people living in Jacksonville, Florida there are a few options when it comes to finding affordable health insurance.

One of the basic rules that everyone seems to follow when they are looking for a health care insurance plan is to find the lowest price. Although saving money is a big concern for just about everyone, there is another consideration that needs to be addressed. Many companies spring up out of nowhere and offer unbelievable deals on health insurance. For anyone living in Jacksonville who is tempted by such a deal they need to contact the Office of Insurance Regulation in Florida to find out how long the company in question has been in existence and what their history, if any, is.

Beyond that it takes some patience and perseverance to find a good and affordable health care solution. The best place to start is by taking stock of your present financial and health situation. There are several health care plans for low-income individuals and their families in Jacksonville, Florida. Inquiring about the qualifications can really help someone who is finding it hard to afford the premiums that are typical with an individual health care plan.

If they don’t happen to fit into the income bracket for the government sponsored plan they may want to consider joining and employer’s group plan. Many employers do offer group health insurance to the people that work for them, but in almost every case there is a mandatory probationary period. If this is the case ensure that you join the day you do become eligible, because this is really one of the best solutions when it comes to finding cheap health insurance in Jacksonville, Florida.

By: Deborah Mills

Access to quality heath care is essential, especially in this day and age when medical costs may soar and drain an individual or family of its lifetime savings. Not everyone, though, can afford to pay for it. Not having a health insurance coverage puts people in a precarious situation not just financially but physically.

Everyone needs health insurance young and old alike. However, some people simply do not earn enough money to pay for it with ease. Certain companies do not offer health insurance for low-income earners, particularly short-tenure workers, retail workers, construction workers, and other low-wage earners. Many of them are just not eligible for a group or employer plan. In some cases, a professional organization may make it possible for them to get into a group plan.

For individuals who can wangle the means to sustain payments for an individual plan, there are ways now to obtain a good package of health insurance for low-income earners. Some research is in order. Look up the rates offered by various health insurance companies who, in their desire to outdo one another, will offer some unique features or advantages redounding to consumer benefit. Beforehand, you may want to check your local government agencies for the possibility of qualifying for health insurance subsidy.

Speaking with an authorized insurance agent may also help you explore options for an affordable health insurance for low-income earners, without sacrificing coverage. Know that there are other factors, like your health or clear family history of illnesses, that may drive your insurance cost down. Whether it’s for the young and healthy, or for seniors or the working poor (who form majority of the uninsured) people should not imperil their lives by going without health insurance.

By: Jack Adams