| 1. Utilize the tools that are available
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| | date rates to make sure that your current
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| to make your search easier. (Avoid
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| | policy is still competitive).
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| redundant actions: rather than
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| | 4. Take the free money! (If your employer
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| duplicating your efforts in calling one
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| | will pay for your PA health care coverage
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| PA health insurance company after another
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| | through an employer sponsored group plan
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| and filling out information form after
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| | then let them! You would be passing up
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| information form online use a free PA
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| | free money not to)!
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| quote finding service which shows quotes
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| | 5. Don't put your spouse and kids on your
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| from multiple companies - and it only
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| | group plan if you can find cheaper
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| takes less than 2 minutes).
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| | individual coverage elsewhere. (Just
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| 2. Research all prospective PA health
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| | because your employer will pay for your
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| insurance companies. (It can be as simple
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| | health care coverage at work through a
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| as asking a few friends or coworkers [or
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| | group plan does not mean that your
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| even better an independent PA licensed
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| | employer will be so generous to your
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| health insurance agent] what they know
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| | spouse and kids so as to pay the premiums
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| about a particular company or you can go
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| | for them as well [although some employers
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| more in depth and check them out with the
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| | will and if so then count yourself among
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| Pennsylvania Department of Insurance or
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| | the lucky!]. As long as your spouse and
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| look up their rating on AM Best [an
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| | kids are healthy then you will almost
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| independent company that rates the
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| | always be able to find cheaper
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| financial strength of insurance companies
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| | Pennsylvania health insurance coverage
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| - remember AM best only rates a company's
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| | through an individual policy rather than
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| financial strength by examining their
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| | adding them on to your more expensive
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| financial statements and their business
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| | group policy [one caveat to this general
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| practices they do not pass any judgment
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| | principle is that if you are anticipating
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| as to whether a particular company offers
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| | having more kids then a group health
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| comprehensive policies and strong network
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| | insurance policy will almost always cover
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| coverage].
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| | maternity while an individual policy will
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| 3. Re-evaluate your options every year.
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| | not automatically cover the pregnancy
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| (Your health insurance needs will change
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| | unless you pay an additional premium each
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| from year to year along with changes in
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| | month so be sure an plan acordingly].
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| your financial situation and natural
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| | Compare free Pennsylvania health
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| family life cycles. If nothing else,
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| compare your current policy against up to
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