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health insurance coverage for self employed
In some cases, benefits might be included for certain surgeries and related costs like pain killers given during a hospital stay. Room and board benefits may be paid based on indemnity or reimbursement depending upon the particular policy. When paid on an indemnity basis, the insurer pays a specified rate per day that has been pre-determined and is laid out in a schedule within the policy.
Unless you are in a category considered as “low income” that would afford you access to social health care you can plan on paying hefty premiums. If you have a pre-existing condition, your chances of obtaining affordable rates are statistically very low.
$_________________________________ per person
COBRA requires that some group health plans offer a continuation of coverage at group rates or slightly higher to departing employees for up to 18 months. For dependents of deceased employees and in some other special cases, continuation of coverage can last for up to 36 months.
What types of health coverage are available? If your employer offers you a choice of health plans, what should you know before making a decision? In addition to coverage for medical expenses, do you need some other kind of insurance? What if you are too ill to work? Or, if you are over 65,will Medicare pay for all your medical expenses?
How is individual insurance different from group insurance?
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