What Would You Do For Free Health Insurance?

By Erinn Springer

Record numbers of Americans dropped their health insurance coverage in 2009 and there is little indication that it will be any different for 2010.

Many consumers are now realizing that the Patient Protection and Affordable Care Act may be providing extra health care benefits and protections. But, it is not making health insurance premiums more affordable, nor is it providing free health insurance.

As Americans across the country are dropping their health insurance coverage because they can’t afford it, GoHealthInsurance.com is launching a free health insurance sweepstakes.

The sweepstakes is the first of its kind and will provide the grand prize winner up to $5,000 for their insurance premiums for a whole year. The winner won’t be given free coverage, but GoHealthInsurance.com will pay their monthly premiums for that year.

To be eligible for the sweepstakes, participants can apply through the GoHealthInsurance Facebook page and hit the “like” button. Then all they need to do is complete the sweepstakes entry form.

Once a grand prize winner is selected, they just need to show the proof of credible coverage and send a health insurance bill. For this reason, the winner will either need existing coverage or go through the underwriting process and be accepted into a plan.

While health insurance may be out of reach for some people, this contest will help one lucky winner or family get the coverage they need and deserve.

Whether you are a contractor, freelancer or an adult with children, this is the opportunity to finally have health insurance. Adults with children that have pre-existing conditions can also apply because children are guaranteed coverage due to health care reform.

Even if you have employer coverage or COBRA, you can apply and compare your plans. Premiums with group health insurance plans are expected to rise for 2011, so this is the perfect time to explore your options and compare individual plans versus your current coverage.

Think about how you could have access to health care without paying health insurance premiums for a year and decide whether you can benefit from this sweepstakes.

Author Information

Erinn Springer works for GoHealthInsurance.com. If you are interested in the Facebook Sweepstakes please visit http://on.fb.me/9csAf3.

How Freelancers Can Benefit From Health Care Reform

By Erinn Springer

It is the six-month anniversary of health care reform and major provisions from reform are changing plans today. These new provisions strengthen consumer protections and provide additional health benefits to consumers.

Freelancer Health Benefits

As a group, freelancers stand to benefit from these provisions because individual policies must adhere to all of the following changes immediately.
Health care reform changes to individual health insurance plans include:

• Free preventive care. Consumers will be able to use preventive services at no additional cost to them.

• Guaranteed coverage for children with medical conditions. Children will be guaranteed coverage regardless of their health status. Consumers can get affordable health insurance policies to cover the whole family.

• Extended coverage for young adults. Children will be able to stay on their parents’ health insurance plans until they turn 26. It is typically more affordable to add a child to a policy rather then purchase an individual policy for that child.

• Lifetime and annual limits on health insurance coverage are eliminated from plans. Consumers will no longer have certain limits on their health insurance policies that leave them with hefty medical bills.

• New processes to appeal health insurers’ decisions or denials. Reform establishes new rights for consumers to appeal decisions made by health insurers and can request an external review process to challenge decisions.

Compare & Save

Freelancers can compare their current policies to new plans online instantly. It is easy to compare health insurance quotes and view different benefits.

Consumers are always encouraged to speak with a health insurance agent about their plans to see if a new plan would benefit their health care needs and budget.

Author Information

Erinn Springer is a freelancer who writes about health insurance topics for a health insurance quotes provider.

See Also — U.S. News: 8 Immediate Cost Benefits of Health Care Reform