on Health Care
For Residents & Companies of
Why Should You Buy
The cost of
health insurance is going up dramatically since the national
health care law passed. If
you do not have affordable Iowa Medical Insurance to help pay
bills, a serious injury or illness can bankrupt you and your family. The most recent studies on
bankruptcy show that approximately 50% of all personal
bankruptcies are due to serious illness. Even if you are
ill for only three to six months the bills for Iowa
health care can total from $30,000 to $200,000 and much more
in some cases. If you don't have low cost Iowa health insurance
coverage you can be exposed to high health care bills; or, if
you have too little or the wrong kind of coverage, you won't
have enough protection. Add this to the bills you were unable to
pay while unemployed and it is easy to see how bankruptcy
Iowa is often referred to as the-American Heartland and is also known as the Food
Basket of the World. Iowa derives its name from the Ioway people, one of the American
Indian tribes who occupied the state. Iowa is listed as one of the safest states
to live in the U.S. According to the Insurance Commissioner of Iowa, effective
June 8, 2011, an administrative rule adopted by the insurance divison will permit
the enrollment of children regardless of their health. This is a type of coverage
known as "Child Only" policies. Companies selling these policies will have the same
open enrollment season, July 1-August 14. This will allow guaranteed acceptance of
individual children enrollment, who apply during this time.
What To Look For When Buying Iowa Health Insurance
Do not sign an application for Iowa Health Insurance until
you review it carefully to be sure the answers are complete
and accurate. Make sure that the word insurance is
actually used and that there is no disclaimer stating that,
This product is not insurance, nor is it intended to
replace insurance. There are hundreds of insurance scams
occurring around the country offering coverage for $50 to
$130 to cover the whole family. Don't get caught in a scam.
If its too good to be true, its too good to be true.
When you buy an Iowa Health Insurance policy, make the
check payable to the company, not the agent. Always pay by
check or money order, and write your policy number on the
payment. Do not give the agent your bank account number for
automatic withdrawals until you have verified the agent and
Iowa Health Insurance company background
Tips for Avoiding
Fraudulent Iowa Health Insurance Plans
The best tool for avoiding fraud is your phone. Call your
Health insurance department and find out whether the
insurance agent and Iowa Health Insurance company
are licensed in the state.
Fraudulent plans are most often sold through direct mail
solicitations, fax, radio ads or over the Internet, so be
especially wary when responding to these solicitations.
If an Iowa Health Insurance policy costs far less than
what other companies are charging, this could be a warning
sign. Its a good thing to comparison shop, but if a policy
is significantly cheaper, beware. If it sounds too good to
be true, it probably is.
Beware of an Iowa Health Insurance agent or company that:
Refuses to provide proof of state licensure.
Insists on cash payments or automatic withdrawal.
States this is a "one-time deal" or your
for special savings".
Boasts that the coverage is available to anyone,
regardless of history or risk.
states something is covered without showing you the
details in a company publication.
Tells you no
other company provides this coverage or that the only
other company is much more expensive.
they can sell you any company but only has company
publications for one company.
If you want
to check the status of any company you can do so through the
Iowa State Insurance office at
http://www.iid.state.ia.us/ or the National Association of
Insurance Commissioners (NAIC) at
Low Cost IOWA HEALTH INSURANCE,
We have many companies for Iowa
Employed Health Insurance,
For Iowa Families and Seniors we also provide Medicare
supplements, life insurance and disability insurance. We
represent many different insurance carriers so our Agency and
agents can provide the best value plan available for
individuals, families and small businesses.
There are many choices for
Plans. Whether you are an
Individual, Family or Business
there is a Iowa Low Cost Health Insurance program to fit your needs.
Programs are available in Traditional, PPO, POS, HMO, HSA's (Health
Savings Accounts) or for Catastrophic occurrences.
You can use the instant quote buttons to get quotes from multiple
insurance carriers and programs. If you choose to call, we simply ask you questions
to determine your needs and provide you with health insurance quotes
from multiple Iowa Health Insurance companies. We help you choose
the plan that best fits your needs. If you are looking for Iowa
Health Insurance as an individual, family, small business,
group or are self employed we can find a Iowa
Affordable Health Insurance plan to meet your budget.
Iowa Short Term Health Insurance you can get an instant quote or
apply on line for temporary health insurance.
you are traveling there is an instant quote button for travel insurance.
If you have a non-resident relative visiting the U.S. they can apply for
insurance from their country by applying on line through the travel
insurance instant quote and application SRI button.
Where to find more information on
Iowa Healthcare and Health
would like more information on healthcare you can go to the U.S
Agency for Healthcare Research and Quality at
complete review of
Iowa Health Insurance
Iowa Individual Health Insurance,
Iowa Group Health Insurance,
Cobra guidelines and more you can go to the
Georgetown University publication for
The publication is titled
Guide to Getting and Keeping Health Insurance in Iowa"
and can be seen at
Allchoice, Inc. Insurance offers low
cost health insurance, healthcare plans, health savings
account, high deductible plans, life insurance, medicare supplements
and long term care with instant quotes. We serve the following
Iowa communities; Ames, Ankeny, Burlington, Cedar Falls, Cedar
Rapids, Davenport, Des Moines, Dubuque, Fort Dodge, Iowa City,
Marshalltown, Mason City, Muscatine, Ottumwa, Sioux City, Urbandale,
Waterloo, West Des Moines.