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