Don’t wait to
locate your family health insurance plan
a good friend—who had decided some time ago to stay on COBRA
until it ran out—discovered that his decision to wait was
the worst possible thing he could have done. While on COBRA, he
was diagnosed with cancer. It was discovered early, and easily removed
with no follow-up for chemo or radiation. He thought he was lucky,
and as far as the cancer was concerned he was. And his COBRA paid
you without health insurance because you believe it's too
a quick & easy way to find out just how affordable a family
health plan can be.
you've entered some simple information, you will receive free,
no obligation quotes to help you find the best policy for
the lowest premium.
the COBRA expires this month. Just because he HAD cancer, nearly
every company has turned him down. The few that were willing to
accept him want an extremely high premium—even higher than
COBRA, and most of those want to write an exclusion for cancer.
If you know you will
need private health insurance, and you currently have no pre-existing
condition, DON'T WAIT. You and your family will regret it if you
If you act while you
are still in good health, you will be able to find affordable, comprehensive
health insurance. And if traditional health insurance that allows
you complete freedom of choice regarding doctors or hospitals seems
too high priced, don't overlook the PPO options.
PPO, meaning Preferred
Provider Organization, began primarily as a type of group insurance
in the 1960's and 70's. It is a variation on the HMO, which began
at about the same time, but while the HMO requires you to have a
primary care doctor, without whose referral you cannot go to any
other doctor, a PPO simply requires you to choose a care giver from
the list provided to you by the company. The PPO doctors are under
contract to charge you less. Along with a smaller payment for services
from the insurance company, they receive payment from the insurance
company based on the number of people they treat in a given month.
PPO options are now available
for families seeking private, health insurance. It covers everything
that traditional insurance covers, but simply requires that you
seek care within the network of preferred providers. You can go
outside the network, but will probably pay the bill yourself if
A Preferred Provider
Organization might seem restrictive, but the network will include
doctors and specialists in every area of concern, so you will generally
have no problem finding a doctor. Since costs are more controlled
than with traditional coverage, your premiums are usually less.
Start your search by
completing our friendly, confidential, profile. Remember, when it comes to finding health insurance,
procrastination on your part creates anything BUT an obligation
on the company's part.
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