Health Insurance St Pete
New Member
- 19
10 Tips that we all need to consider before buying any kind of Health Insurance
1) Affordability.
Be-realistic because I don't think anyone wants to lose health insurance just because of not not able to make few premiums
2) See what's available.
You might have an option to purchase health insurance through your employer. These are most often HMO or PPO plans.
3) Compare and Consider.
There are several types of health plans available to choose from--HMO (Health Maintenance Organization) , PPO (Preferred Provider Organization), POS (Point of Service), HSA (Health Savings Account—also known as MSA—medical savings account), and traditional indemnity, which is becoming less common as it is more expensive than the other plans. Carefully compare the pros and cons of each plan, and consider which will be more beneficial to you.
4) Shop around.
Get quotes from various insurance companies in order to make the best decision. By comparing various companies, you may save some money and also find greater benefits.
5) Kinds of coverage.
What are your needs? Are you planning on starting a family, and therefore in need of both maternity and child coverage, including immunizations? Would you like your office and/or hospital visits included in your coverage?
6) Doctors and Hospitals.
Another thing to consider when looking for health insurance is which doctors and hospitals are part of your provider network. Is your doctor included? Where is the nearest included hospital located? These are major considerations when choosing insurance coverage.
7) Pre-existing Conditions.
What are the limitations on pre-existing conditions, if any? Be familiar with the limitations of each plan.
8) Take your time.
Don't feel pressured to make an instant decision because you need coverage—and don't let anyone pressure you into buying the wrong plan.
9) Read before signing.
Be sure to carefully read the contract of the plan, and don't be afraid or ashamed to have someone explain it to you.
10) Never pay cash.
Always use a check or money order when buying a policy so that you have a record of your purchase. Unfortunately there are those out there who prey on people in need, and this can help to protect your interests.
1) Affordability.
Be-realistic because I don't think anyone wants to lose health insurance just because of not not able to make few premiums
2) See what's available.
You might have an option to purchase health insurance through your employer. These are most often HMO or PPO plans.
3) Compare and Consider.
There are several types of health plans available to choose from--HMO (Health Maintenance Organization) , PPO (Preferred Provider Organization), POS (Point of Service), HSA (Health Savings Account—also known as MSA—medical savings account), and traditional indemnity, which is becoming less common as it is more expensive than the other plans. Carefully compare the pros and cons of each plan, and consider which will be more beneficial to you.
4) Shop around.
Get quotes from various insurance companies in order to make the best decision. By comparing various companies, you may save some money and also find greater benefits.
5) Kinds of coverage.
What are your needs? Are you planning on starting a family, and therefore in need of both maternity and child coverage, including immunizations? Would you like your office and/or hospital visits included in your coverage?
6) Doctors and Hospitals.
Another thing to consider when looking for health insurance is which doctors and hospitals are part of your provider network. Is your doctor included? Where is the nearest included hospital located? These are major considerations when choosing insurance coverage.
7) Pre-existing Conditions.
What are the limitations on pre-existing conditions, if any? Be familiar with the limitations of each plan.
8) Take your time.
Don't feel pressured to make an instant decision because you need coverage—and don't let anyone pressure you into buying the wrong plan.
9) Read before signing.
Be sure to carefully read the contract of the plan, and don't be afraid or ashamed to have someone explain it to you.
10) Never pay cash.
Always use a check or money order when buying a policy so that you have a record of your purchase. Unfortunately there are those out there who prey on people in need, and this can help to protect your interests.
