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What you need to know before buying Health Insurance  

Is pregnancy a Pre-Existing condition? Maternity Insurance

Want to learn about health insurance? watch all videos

Is cheap health insurance an urban myth?

No and Yes! First the word "cheap" associated with any product can not be good. "Cheap" is actually an oxymoron (just kidding)! Any thing labeled "cheap" cannot be inexpensive, especially when it comes to health insurance, in the long run it will cost you more money. Why? If you start off by paying a lower premium, there may be many reasons for this. By law fully insured health insurance plans have to be accurate in pricing. There is always an actuary study filed before rates are released.

What is "Health Insurance"?

Health insurance is a product you pay monthly premium for to help limit your cost (liability). So you either pay low premiums and then at the time of claims you pay a higher amount out of pocket, or you pay higher premiums and pay less out of pocket at the time of service. In reality, the cost is the same either way; it just depends on what suits your budget! After reading this last paragraph, everyone should have questions about the cost of insurance.
Cheap insurance is not a myth, it's out there. We get calls daily of sightings of this "Bigfoot" premium creature! There are many agents and marketing schemes on television and radio to make you think that cheap health insurance exist. One of our experienced licensed agents can help you stay away from these financial creatures!

What is the most affordable or less expensive plan Oxonia offers that will cover me in case of an accident, how much it will cover?

There are so many choices to consider in choosing the policy that will best suit your needs. One of the things you need to consider is how you are covered in the event of accidental injury. There is a misconception with this category, so I will take some time to explain. Most people are accustomed to health insurance coverage from their employer. Employer benefit plans are rich in this area because; not only does the employer offer health insurance plans to his employees, the employer also carries Workman Compensation (WC). Because WC plans assume the risks for accidents at work, benefits can be richer in the group health plan. Benefits for accidental injury through an employer's health plan usually have small deductibles or very low co-pays. With individual health insurance plans, an emergency is treated as any other illness. Since most individual health insurance plans have 24 hour coverage (the individual plans pays for accidents that occur at work), an emergency will have a deductible and coinsurance with an additional deductible per occurrence. There are ancillary policies available to override your out of pocket (OOP) expense. Also some of the carriers we represent have options for additional protection for an accidental expense. Please chat with me or talk to our licensed agent if this is a concern.

• Sarah Lee: Health Care News
• Health Insurance after Losing Your Job
• Medical Discount Plans
• Long Term Health Insurance
• HSA, Retirement Medical Expenses
  
• How To Cut Your Health Care Expenses
• Trim Your Medical Expenses
  
• Individual Health Insurance; What To Look For
  
• Top 10 FAQs About HSAs
  
• Don't Let Health Care Costs Derail Your Retirement
  
• Tips to Reduce Out-of-Pocket Medical Costs
  

• Non US Citizen Insurance
• What are Major Medical Plans?
  
• Buying Individual Health Insurance
• Compare Health Insurance Quotes
• How To Choose A Doctor
  
• COBRA If You Loose Your Job
  
• HIPAA
  
• Health Care Flexible Spending Accounts
  
• Understanding Common Health Insurance Terms
  
• Don't Let Your Flexible Spending Account Go to Waste
  
• Long-Term Care Insurance
  

• Non Payment of Your Medical Bill
  
• Insurance Agents: Health Insurance Leads
• Health insurance and Pre-Existing Conditions
• Does Cheap Health Insurance exist?
• Rising Health Care Costs
  
• Health Care Information Websites
  
• Health Care Flexible Spending Accounts
  
• HSAs Offer Health Insurance
  
• Short-Term Health Insurance
• Hospital Billing Errors
  
• Personal Health Records Facilitate Quality Care