Americans are finding it harder to pay rent or for insurance, as food and fuel costs rise.
Laid-off workers as well as early retirees, recent college graduates and self-employed can all be left without coverage in the event of an illness. More than 44 million Americans lack health insurance. Another 25 million are uninsured.
A person can be financially devastated if they don’t have health insurance. Americans are unable to afford to pay out-of-pocket for their medical bills, making it impossible to trust that they will be able to stay healthy.
Many plans are offered by insurance companies. People will have a greater chance of finding affordable healthcare plans if they have enough information and an understanding of the application process. Americans have the ability to customize their insurance according to their medical needs.
Certain organizations make it easier for consumers access information on health insurance options. Consumers for Competitive Choice Education Fund, Inc., an organization that provides tools and information to help consumers make informed choices in the market, has launched simplecoverage.org, a website designed to help Americans learn more about insurance.
The Web site explains in simple language the various types of coverage and how to find insurance. It also outlines how to assess plans and what you can expect when applying.
Simplecoverage.org teaches Americans to ask these questions when considering a plan for health insurance:
What is the cost of routine check-ups or health care services?
– Can I use my doctors and other medical facilities at home?
How much will my premiums, deductibles, and co-insurance cost?
– Which health services are included? These services will cost you how much the policy will pay.
What will it cost me to save money on premiums if my deductibles or co-pays are higher?
Do you offer discounts to certain doctors?
