If you buy individual health insurance, you are probably overwhelmed online prices and health plans options. Health insurance is now one of the most expensive items in the budgets of many people, but it can also one of the best decisions you make, if you have any health plan experience right to select and your family. Here I will give you, if the individual health insurance for the purchase of 3 basic tips that I use my advice customer.
Tip 1: Take advice without health insurance from someone who is totally unjustified, you can give this advice!!
I cannot stress enough. It amazes me how many sensitive people take advice on what to choose the health insurance of people who are totally incompetent to give this critical advice. For example, if I see one (I almost every day to see health confusion) and wonder where your health obtained scheduling information, I heard things as inevitable: "My brother told me to choose this health plan has used the ' hospital to work. "Or" I read an article that says this is the best plan. "And so on. Everyone has an opinion on what health plan you should choose. Just because they are your relatives, or are completely independent insurance involved in a certain area of health care, does not mean you know the answers to your individual needs and questions! Working with an insurance professional before problems are! You have no idea how many clients I worked with came to me after selecting an online health plan and then have an insurance problem and expect me to fix it, I would tell them: I for help should be! Most insurance specialists paid by the insurance company so that their services are free. Use it!!
Tip 2: Determine your real needs.
The three things to keep in mind when determining your needs, are: Budget, the doctor models and hospital visits and the use of prescription drugs. Ask yourself the following questions: How often do you visit the doctor? Just go for check-ups or go for health visits? How many times have you over the past two years in the hospital? Take regular recipes? What are you? Generic or brand? This is another area in which neglect the majority of my clients. You cannot have a maximum coverage in any way at affordable prices in all these areas, the maximum coverage for the doctor and the hospital, as well as recipes leave a dent in the budget. However, the majority of health insurance plans offer more than one version of the same plan. For example, say "Health Plan A", which offers maximum coverage for maximum medical coverage for the hospital and the maximum coverage for prescription drugs. But "health plan A" costs such as mortgage. The good news is "Health Plan A" most likely as customizable options, that is, when analyzed according to their needs, it turns out that you rarely visit a hospital, you might Hospital "Health Plan A 's" for moderate coverage or even change minimally, that will bring the premium lot. If these options are confusing to you, once again a health specialist will be able to help you. Are already known, customizable features “‘s health plan A" and able to meet your needs for the appropriate version of "health plan A". A health insurance specialist has access to versions of health plans that are not options for the average consumer to purchase on-line health insurance.
Tip 3: resist the temptation to reassure over!!
After analyzing your needs, resist the urge to reassure over! One of the most common health confusion I see is over insurance. People think that if they have a maximum coverage for doctors, hospitals and measures, "good" insurance. The truth is, most of the people who must be approved for individual health insurance do not need all this coverage. Two things that I recommend to my clients to be aware: Health Reform and Stop Loss. First, the reform of the health system for preventive care at 100% allows it to be covered. For example, if you get check-ups, because they enroll in the plan coverage with 100% medical examination? Sign up for the plan with a lower premium and pay $ 10 copay for visiting the sick. The difference in prize with this little detail is $ 100 dollar! In addition, some of these health insurance plans "maximum coverage" excludes things like pregnancy. The last thing you want to do, only a small fortune for it is "good" health insurance pays to find out, is something that is not necessary for the coverage! Second, most health insurance companies have developed a stop-loss order in which it essentially says that if the out-of-pocket costs reach a certain amount, the plan for you. 100% for all services is and you do not need the "maximum coverage" plan for this performance. Your healthcare provider may even this amount stop loss more!
Then select your plan from my 3 basic tips include:
1. Take some health advice from someone not qualified to offer this advice. Finding a health insurance specialist, who investigated and licensed to provide this advice and are free. Use it!!
2. Consider your real needs. Ask questions so you know what you need your specific health plan, so make sure that you choose a plan to ensure that they met. After all, if you do not know what is actually needed in a plan, how do you know if you met the right fit?
3. Resist the temptation to ensure over! Health reform has changed the way many plans are working, and you can get in a sufficient or superlative hedge position without insurance. And above all, without the strong premium!
There you have it, the online insurance shoppers! I hope this was helpful!