Affordable Health Insurance — Independent Dental Coverage

Dental Insurance Plans from Aetna

Independent Dental Coverage - Dental Insurance For Family

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Independent Dental Coverage - Dental Insurance For Family - Low Cost Health Insurance Coverage

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Private Health Insurance Is Available
By EILEEN ALT POWELL
ASSOCIATED PRESS
8-14-03
NEW YORK (AP) - Every year, millions of Americans who have health insurance through employers lose it for one reason or another: They're laid off, they retire early, they headoff to college.

Doing without something as basic as health insurance can be risky because an unexpected illness can devastate a family's finances for years. Private policies are available, but finding them takes research and they're often more costly than company group rates.

For someone who loses a job with a large or mid-size company, the best option is often a COBRA policy, said Alan R. Ziegler, president of the Society of Financial Service Professionals, an organization of insurance and benefits specialists and financial planners.

COBRA, which takes its name from the Consolidated Omnibus Budget and Reconciliation Act of 1986 that created it, allows workers to continue their employer health care coverage after they've been laid off or voluntarily left a job, generally for up to 18 months.

"The ex-worker pays the full premium, so it can be costly," said Ziegler, chief executive of the Futures Funding Corp. in Rochester, N.Y. "But you're buying quality coverage."

If that isn't a possibility, he said, consider joining an organization that offers group health insurance as a member perk.

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Health costs are soaring skyhigh. It pays to compare plans for low costs and understand what coverage is available. Your family health coverage is important as well as your financial need to cut costs. Find the right and cheapest health plan for you.

For all business related quotes, you'll also be able to easily determine the amount each individual employee will need to pay toward his or her health insurance coverage, as well as the company's contribution to each employee's coverage.

For small businesses, for instance, eHealthInsurance, features instant quotes for all small group health insurance plans. As soon as you enter basic information about your company and your employees, online quotes -- customized for your company -- will be immediately generated for you.

You can obtain FREE instant quotes, side-by-side low cost comparisons, the best available prices, online applications, and a knowledgeable Customer Care team to help you find the plan that is right for you. Need Low Cost Health Insurance? FREE Instant Quotes!

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