subject: How To Get Cheap Medical Insurance In Virginia [print this page] Finding a cheap medical insurance in Virginia is never an easy task. With the current scenario when medical care costs are skyrocketing, it becomes doubly grueling and time-consuming to land on a provider or a plan where the consumer feels satisfied and secured.
However, all hope is not lost. There is still a chance. If a consumer puts in some efforts and does some careful planning, getting cheap medical insurance is not sheer impossibility.
In this article, we will talk about 5 simple methods which will ensure a consumer lands on a cheap medical insurance plan.
1.Places to look for?
While searching for cheap medical insurance in Virginia, the first place would be to go to the employer. If a consumer has left the job or expelled, he/she can retain the existing health insurance for 18 months through the COBRA plan. However, the consumer will need to pay whole of the premium unlike when the employer was paying a major portion of it.
If you not employed, it becomes a bit tricky. The first step could be to visit some websites of companies offering insurance in Virginia. Aetna, American National, Anthem Blue Cross and Blue Shield, Assurant, CareFirst Blue Cross Blue Shield, Celtic, Golden Rule, Great American, Humana One, IAC, Kaiser Permanente, Patriot Health, and Solera Dental are the companies that offer insurance policies to the residents of Virginia. The best way is to ask for some free quotes from all of them and then compare the plans with each other.
2.Enquire
It makes sense to call or send an email to the insurance company for understanding all the aspects of a medical insurance plan. There should not be self-made assumption about the coverage, expenses etc. Given the knowledge of many consumers, it is a good step to ask as many questions as neededthere is no need to feel shy on any account. It goes without saying that if you do not clear all the aspects in your mind, you might end up paying higher costs.
3.State health insurance programs
These programs are offered to low income families. It is a good option a consumer feels he/she should be offered cheap prices. This can be done by checking with the local health department of Virginia.
4.Get what you need
Sometimes, a consumer does not need regular check-ups or visits to the doctors. If this is the case, insuring oneself against desired medical conditions could be another option. This is called special type of insurance where a particular medical state is covered.
However, in case a consumer needs to get special cover for any pre-existing medical condition, it makes sense to check with the insurance providers. A lot of providers do not provide insurance for pre-existing medical condition or would ask the consumers for co-pays.
The mantra of getting cheap medical insurance lies in shopping around and understanding the terms and conditions of all the plans in a better way.
by: Shaun Mike
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