Not having health coverage can be a little scary, and for single moms, it can be even more difficult to get coverage. It can be hard to find coverage for those who don’t have a lot of help or support, but it’s not completely impossible. You can find cheap health insurance if you know where to look.
To start with, lower deductibles are not all they are cracked up to be. Actually, the lower the deductible, the higher the premium each month you are going to have to pay. You may have to bite the bullet and pay a higher deductible in order to have a lower premium.
A policy’s co-pay is another struggle for single moms. This is what you are going to be required to pay when you visit the doctor. Having a lower co-pay means, once again, having a higher premium. This is due to the fact that insurance company’s need to offset losses from premiums.
There are several companies that offer cheap health insurance to single moms but it is far from free, and as a buyer, you have to understand this. An insurance company is similar to a grocery store in the fact that they are businesses as well. While it’s hard for single moms to pay premiums, it’s something that has to be done in order to have health coverage.
Lastly, research is essential to finding the ideal health insurance policy for you and your children. If having a high monthly payment is what bothers you, then getting coverage for your children may be more important that having coverage for you. You can begin your search by looking online for companies that offer free quotes. The solution to finding insurance that you can afford is to do research and comparison shop. The more you look around, the more educated you are going to be about your options and the better the policy you will be able to find.
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