People may think health insurance is not that important for them who have good health record. However, for others, having no health insurance is quite risky and medical bills can be burdensome. There are several reason why people opt to not covered in health insurance. The biggest reason is health insurance is not cheap. Insurance company acknowledge this, therefore they provide some alternative health coverage in certain area like prescription drug or hospital bills. You can also find some health clinics with low-cost or even free healthcare services.

Medicaid

Medicaid is a program provided by joint-federal state for citizens with low income. The government assessed the people eligible for aid based on their income, asset and another resource. This program can help pay the hospital bills, home care, doctor and other medical bills. For more information, you can visit medicare website http://www.medicare.gov/ and search for medicaid.

Membership Program

Some network of healthcare providers usually held membership program and attract their potential customer by giving discount when they apply for membership. For example, private hospital "A" offer membership program, their members can get discount for their services, such as vision, dental, pediatric, drugs, home care, child care and many more. The members will get membership card. Something you have to understand is this membership program is not an insurance, so it does not have deductibles and you have to pay the services with your pocket.

Free Health Clinics

These free health clinics provide health services for low income and homeless. They usually provide low-cost and/or free healthcare services. Like charity program, they open for donations to run the clinics. Middle-low income citizen also allowed to use the services, although the clinics might charge them with low bills.

Medical Services Program Sponsored by State

Each state in the U.S have their own medical assistance program to help their low-income resident to pay their medical expenses. Every state have their own resources and program, and it might vary between states. This program is designed for those who can't afford health insurance.

Health Saving Account

Health saving account is indeed involving health insurance. These savings are funded by deductible contributions to cover huge expenses. The withdrawn money is tax-free and can be used for almost all health-care services, even alternatives medicines. 

Some people say this, the others say that. "Don't do that!" but the someone else says that's fine. It's kind of frustrating to understanding all the rule in car insurance, in addition there are tons buzz about car insurers. Make sure you read this.

My car's color affect my premium

The fact is insurance company do care about your car model and type, year, body, engine and how you take care your car. Well, they care about your driving behavior the most. It doesn't matter what color your car is, but if you are speeding and driving recklessly, the insurance company will likely give high premiums to you.

Car insurance will cover personal belonging in my car

Nope, car insurance will not cover your personal belonging in your car even though it's expensive. If you have laptop, phone or designer bag in your and being stolen, you need to file a claim to your homeowner's coverage not car insurance. Also, if you put your golf clubs in the trunk and the car's rear got hit, the car insurance will not pay the golf club damage.

Someone else borrow and drive my car, if there's accident it's not my fault

Well it's true, it's not your fault but car insurance company register your car. You, as the car owner, are responsible for the damages with or without involving third party. 

I have no-fault insurance, so it's not my fault

Although you have no-fault insurance, if the insurance company determine that you are the one who caused the accident, you still have to repair and pay other damage. However, no-fault insurance varies on each states.

Insurance company can terminate my policy any time

Not really unless you did something like fraud or did not do the payment for several months. Insurance company can not cancel a policy in the middle of a term.

My credit scores has nothing to do with insurance rates

Credit score is one of their consideration when they determine client's premiums. Credit score is an overall view how you manage your financial state. 

My car insurance including comprehensive and collision coverage automatically

It's not true. If you are leasing or financing your car, then you are required to purchase both or just one. If you think your car is covered when stolen, vandalized or damage from natural disaster while you only have basic car insurance, you are wrong. You need to purchase additional coverage such as comprehensive and collision coverage. 

Insurance is a quite easy target of scams. Many insurance company become fraud victims with total amount up to billions dollars per year. With this condition, they make a preventive step by increasing premiums to cover "fraud cost". Increasing premium is not ultimate solution to prevent scams. Therefore, they have fraud detection departments which is in charge for preventing fraud and calculate money paid out for false claims. False claim and excessive risk which is not proportional with premiums are categories of insurance fraud. Both categories could make the insurance company collapse, however the excessive risk is the most dangerous for insurance company. If clients give false information when applying for an insurance, they will pay premium less than they have to pay. When they file claims, insurance company have to pay higher than they should be. Insurance companies have many ways to prevent fraud and collect data accurately.

Surveillance

In health insurance or disability insurance case, the insurance company can monitor their clients directly. When the client file a claim, they have to fill form, this form record the document about their activity after the illness or accident. Insurance company may install surveillance camera video, review the claims from it and compare with the client's form. If the clients falsify the illness or disability, the payouts will be stopped. 

Whistle Blowers

Insurance company can gather information from third parties. They usually provide the whistle-blowers number for anonymous calls. Whistle blowers are legal and protected by law. Individuals can call hotline numbers to report what they know about the potential insurance scams. Not only insurance, whistle blowers are commonly used in any areas. Government and general business use whistle blower to get information from society about certain issues. 

Claims History

The clients' claim history is one of useful tool for insurance company to examine potential fraud. Insurance company will terminate coverage contract if clients' surpass a certain number of claims. This step is taken to protect insurance company from huge losses. 

Investigating

Generally, insurance companies have insurance investigators to review and analyze any claims that seems particularly high. They will inspect the situation to gather more evidence in claims investigation.

Giving false information when file claims seems tempting, but fraud is a crime. Getting thousand dollars from insurance fraud are not worth with the consequences you can get. Giving false data when applying for an insurance is also a fraud and you might get penalty as well.