| At some point, the question stops being can | | | | When selecting an individual health |
| you afford it and becomes can you afford not | | | | insurance plan remember that the more |
| to? The good news for consumers is there are | | | | healthcare you require due in large part to |
| many companies fighting for your health | | | | age, the more you will pay. |
| insurance business which brings prices down. | | | | |
| | | | Individual health insurance plans can vary up |
| First Steps - What Do You Need? | | | | to 50% from one carrier to another. You may |
| | | | get two quotes that are close but looking at |
| What should you look for in individual health | | | | the coverage could show some major |
| insurance? There are some basic questions | | | | differences. You need to spend some serious |
| you should ask before purchasing a policy. | | | | time looking at your options. |
| You want to find just the right mix of | | | | |
| coverage for your personal situation. | | | | This is too important to rush through. If |
| | | | you do not understand something, stay on the |
| If you are a young healthy person you are | | | | phone until the representative can adequately |
| going to have a much easier time getting | | | | explain it. |
| coverage. On the contrary, if you have a | | | | |
| serious medical condition it may be excluded | | | | Remember - YOU Are The Customer, So Get The |
| from the policy, yet you must be up-front | | | | Product You Need |
| about that information. It is better to let | | | | |
| them know now rather than later when you | | | | You are their customer and you deserve to |
| could get you claim revoked. | | | | have all the information you need to make an |
| | | | informed decision. Individual health |
| Always ask what your premium will be, what | | | | insurance is provided by many different |
| your deductible is, the yearly limit of | | | | companies and an online search should be a |
| coverage and their policies on pre-existing | | | | first step. |
| conditions. It is much better to be armed | | | | |
| with all this information, before you seek | | | | You also should ask around to any friends and |
| coverage and find out you do not have it. Go | | | | family with individual health insurance and |
| in informed and insist on straight answers. | | | | see how they handled the process. Find out |
| | | | whom they use and if they are satisfied. |
| What Health Individual Health Insurance Plans | | | | |
| Are Available? | | | | Individual health insurance policies are |
| | | | mostly in place for catastrophic illness. If |
| Individual health plans can be set up just | | | | anything were to happen to you, this |
| like the group benefits that employers once | | | | protection will usually save you from limited |
| provided. There are HMO's and PPO's to | | | | care or bankruptcy. |
| choose from and you should read all the | | | | |
| information you can get from the companies | | | | There are health insurance agents available |
| you are reviewing. Get a live person on the | | | | who can review individual health insurance |
| phone and ask all the questions you can. | | | | plans and answer your questions and help you |
| | | | find the most coverage for the least money. |
| Take notes of everything you are told, to | | | | |
| compare to the paperwork you will be signing. | | | | You just have to ask! |