There are millions of people living in the United States without health insurance. Mainly because it is expensive but also many people don’t realize that they need health insurance until its too late and they are already financially in over their heads. Living in the United States without health insurance can be extremely dangerous both physically as well as financially for both families and individuals.

The reason why it is so physically dangerous for families and individuals to live without health insurance is because more often than not people will postpone doctor’s appointments, x-rays, and yearly check ups because they do not have health insurance. This can be very dangerous because it is during these yearly doctor’s appointments where people are screened for serious ailments and sicknesses like cancer. Without many of these types of appointments people may not be screened for serious sicknesses that need immediate treatment. Also, people who do not have health insurance are more likely to avoid going to the doctors if they are sick because the cost of the trip to the doctor’s office can be extremely high for someone who is uninsured. This means that often an individual will go to work or continue on with their life while they are sick until the sickness gets so serious that they have to go to the doctor. This often can cause a life-threatening situation for people who do not go to the doctor who are seriously ill.

The reason why it is financially dangerous for people to not have health insurance is because of the costs of medical bills without insurance. The biggest problem of this is that most people who do not have health insurance do not realize how expensive these costs really are until it is too late. For even small injuries such as broken bones the costs can really pile up and cause huge financial problems for people, and that is only for minor injuries. The costs of a serious car accident where only one person is injured can cost thousands and thousands of dollars in medical bills, ambulance bills, the cost to stay in the hospital (remember some accidents require a long hospital stay) as well as rehabilitation and physical therapy after the accident. These costs alone can cause a person to have to file for bankruptcy as a way out of the financial burdens that are caused by an injury for someone who doesn’t have insurance.

One of the ways to find affordable health insurance is to search online or contact local health insurance providers to try to get some affordable quotes. One of the most affordable companies around is Aetna Health Insurance. Aetna Health Insurance is offered in most states and is one of the most affordable companies around. Individual and families can both be covered by Aetna Health Insurance and tend to be very happy with the results.

Affordable Health Insurance Offering Great Deals for HMO and PPO Plans

If you are looking for an affordable health insurance trying looking into Blue Cross Blue Shield for your health insurance needs. Not only do they offer great plans but their plans are affordable especially to people who are low-income and may not think they will be able to afford other options. There are a ton of different plans whether an employer is looking for a group plan for their employees, the head of a home looking for a family plan for their children and spouse, or even an individual plan, with affordable health insurance in almost any state there is something to fit everyone’s needs.

There are a ton of different plans for people who are looking to get affordable health insurance the most common plans are health maintenance organization plans often called HMO’s, preferred provider organization (PPO’s), also there are other plans that offer great deals to people such as flexible spending accounts, health savings accounts, health reimbursement arrangement, and even point-of-service health plans. All of these health plans offer different things to the plan holders depending on what they want and the services that they use. The two most common types of plans that are held by people who have health insurance are health maintenance organization (HMO), and the preferred provider organization (PPO).

A preferred provider organization is an arrangement between the affordable health insurance company and the plan holder where services such as doctors visits, hospital visits, MRI’s, and most surgeries are paid for only at a fraction of the cost that they would otherwise be because of the contract. The reason why these people are offered discounted services is because they have to use a preferred healthcare provider when they make medical arrangements. The healthcare provider, is in a contract with these providers, which is why they are able to offer lower cost services. People who are in contract for PPO coverage can also get coverage by medical professionals that are not involved within the network, just the costs may be slightly more expensive.

The other type of plan that many people are in contract with is the health maintenance organization (HMO) plan. With a health maintenance organization plan both the health care provider and the medical service provider share the financial risks and delivery risks with the medical services that are provided to cardholders. These cardholders are normally from a specific region and are prepaid with a fee that is already established through the plan. There are millions of people who are HMO members across the country.