COBRA health care alternatives

During this difficult economic environment, it is important for consumers to research all of their health insurance options and get the coverage they need. There are several options if you or someone you know has lost their job. While continuing your health insurance through COBRA can be the best health insurance option, it may not always be the case. There are alternatives to COBRA.

If you are in relatively good health and don’t have any pre-existing conditions, you may be able to find less expensive options to COBRA by purchasing individual health insurance.

Here is some reason why do you want to use an established health care insurance company like eHealthInsurance.

• Free Quotes and Comparisons. All of the services offered by eHealthInsurance are provided to consumers at no additional cost. Their website's Help and Guidance section provides answers to some more frequently asked questions. They also offer free Online Help & Live Assistance services to our health insurance shoppers.


• Trust and privacy. eHealthInsurance is the leading online source of health insurance for individuals and families nationwide. eHealthInsurance online application process is safe, easy and secure. They do not sell, trade, or give away a customer's information to anyone.
• Faster process. Their eSign technology processes consumers' health insurance applications electronically, resulting in a faster response from the insurance carriers. This technology reduces the time required for the underwriting process by as much as 50%.
• Best prices available. Health insurance premiums are regulated by each state’s Department of Insurance. Whether you buy from eHealthInsurance or your local agent, you can be assured that you’re getting the same rate for the same plan. You can enjoy all the great services we offer and take advantage of the convenience of shopping online and never worry you’ll pay more than you need to.
• Choice and selection. On eHealthInsurance website, consumers can learn about, compare, and apply for health insurance from many of the nation's leading health insurance carriers. They are licensed to market and sell health insurance in all 50 states and the District of Columbia. They have partnered with more than 175 health insurance companies and offer more than insurance products than anyone online

Save your long distance cost

Here is some way to save your long distance call. Before I used my Lingo phone, I spend about 180$ per month to call Asian countries, Europe and United Stated for business and meeting. Now, I am spending about 40$ per month. It saves me at least 100$ per month. It is easy to setup and more important - it WORKS!

No Health Insurance Cover?

Here is another sad story about people who don't have health insurance. We all hope that the new President can do something about it. It is just so sad to see all the good people and kids who need health insurance and cannot get it because of the high cover cost. Let try the best and stay healthy and just get the health insurance for the kids.

Getting insurance for kids

Everybody agree that getting health for kids is very important. Then try to prevent stuff by healthy eating and execrise is also very important.

Let hope that we can pass this economic crisis as soon as possible.

If you are looking for health care, look here.

Obama calls for overhaul of U.S. health care system

CNN: http://www.cnn.com/2009/POLITICS/03/05/health.care.summit/index.html?iref=newssearch

• Health care overhaul is "a fiscal imperative," President Obama says
  
• Summit goes ahead without health chief nominee, Kansas Gov. Kathleen Sebelius
  
• Obama wants to set aside $634 billion in a health-care reserve fund
  
• Administration plans to hold five regional health care summits in coming weeks

The plight of young, uninsured Americans

CNN: http://www.cnn.com/2009/POLITICS/03/07/young.uninsured/index.html?iref=newssearch

• Statistics: Young adults are the largest group of uninsured Americans
  
• Many 20-somethings don't have jobs that offer health benefits
  
• Bree Honey: "I can't get sick. I have to worry about if I'm going to get hurt"

In tough times, health care considered a luxury

CNN: http://www.cnn.com/2009/POLITICS/03/05/sou.nc.health/index.html

• As jobless rate rises, so does the number of people without health insurance
  
• North Carolina patient pays twice as much for medication than when he was insured
  
• Dentist says economy causes some patients to consider treatment a luxury
  

Check your credit score

To turn around your financial situation, the first thing you need to do is to make sure you keep your eyes on the big ticket item.

If you are a home owner, you should checking your credit score and refinance your house to lower the mortgage payment. Think of it, if you can save 300$ per months, it will be a big help to your current situation.

Hence, here is the steps.

1. check your credit score. Fico Scores/Reports
   
   
2. get a bid on your mortgage loan and try to get the best you can get
3. Make sure the loan is no point, no fee and at least 0.75 point different from your current interest rate. Otherwise, it is not worth your time to look into it.

I will talk about some more about how to get your financial situation on the right path in the next couple positing.

Get Dental Plan Quote

Tooth problem is so painful. To get a good dental plan is painful for the wallet.

After I started my home business, I am looking for health insurance (eHealthInsurance
) and dental plan for my family.

I am looking and looking. Money is tight and the economy is bad. However, I know that I need to provide a good health care for my family. So I look around and I find this dental plan. I called and get quote. I used the basic cover. Now, at least my family is coverd.

So, I have health care and dental care and I can focus on what I need to do. To make more money to make my family live better.

Where to get health insurance?

The current economy is tough, very tough. A lot of my friends got layoff with a very short notice. The first thing in their mind is how to pay the bill. Then where to get health insurance become an issue.

Without health issue, the whole family is bearing a very high risk. For example, this CNN news (No job, no insurance, now what?) about a woman who has breast cancer with a recent layoff and the doctor refused to treat her.

Pamela Rinchich quietly recalled how her cancer doctor abruptly canceled an appointment. Rinchich owed $268 from a previous visit: She didn't have the money and the doctor refused to see her until she paid.

A lot of my friends has kids. Kids get sick easier. It is a must to get health insurance for the family. The doctor visit costs money and the medicine cost money too.

If you are looking for health insurnce, check out http://www.eHealthInsurance.com
. They provide free quote for health insurance. You don't need to buy anything. It is good to at least get a quote about what is the health insurance they can provide.