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In order to protect and maintain a person’s health, low-cost health insurance is needed. Due to the increasing professional fees of doctors and hospital costs, low-cost health insurance should be available for everyone. U.S. government statistics show that more than 40 million Americans do not have low-cost health insurance. Health care prices continue to rise rapidly and many people cannot afford even basic health care coverage.
Low-cost health insurance is a program that provides health insurance policies at a much lower price. Students, the unemployed and low-income families are the best candidates for this low-cost health insurance. These people can choose from a list of low-cost health insurance policies that offer coverage at the lowest price. These low cost health insurance policies offer low premiums as compared to other health insurance plans. In some of these plans, the employer pays a portion of the premium. It is important that while the price is not high, the plan should suit the needs of the individual. Low-cost health insurance plans should also provide protection against major diseases, such as cancer and diabetes.
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The downside of low-cost health insurance is that there are fewer benefits due to lower premiums. Low-cost health insurance usually provides basic coverage, such as paying for hospitals, surgeries and doctors. Operating room, diagnostic procedures, anesthesia and laboratory costs are usually included. However, people with low-cost health insurance rarely receive the significant benefits offered by other health insurance programs, such as the cost of surgery, including professional fees for assistant surgeons, ambulance services, blood transfusions, oxygen, prescription drugs, and even prosthetic devices.
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Student Health Insurance is a low-cost health insurance policy that provides coverage for full-time college students between the ages of 17 and 19. Undergraduate students must be enrolled in a minimum of 9 credits to be eligible for this type of coverage. Graduate students may also apply for this type of low-cost health insurance program. These students should be enrolled in a college or university that is recognized and accredited by the state. Universities and colleges usually offer this type of low-cost health insurance for students, so if it is a university, check the coverage offered, as each university’s policy is different. Other low-cost health insurance providers may also offer student health insurance.
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The most important advantage of this low cost health insurance program is the cost. The premiums offered are low. It is recognized even if the student transfers to another university or college. The standard college health insurance program is a low-cost health insurance policy with lower costs but fewer benefits. A stand-alone individual policy costs more but provides better coverage.