Individual Health Insurance Must Haves
Posted on November 26, 2009
Filed Under Fitness |
If it’s your first time looking for individual health insurance policy, I’d like to tell you that I know it can be a difficult and confusing task. I was put into a situation a few years ago where I left my job to become self employed.
While I could have gone with COBRA for’ months and worried about finding an individual plan later, I ultimately decided that it wasn’t worth doing this. COBRA was very expensive (over $400 per month for just me) and I couldn’t really afford something like that since I was going self employed.
Therefore, I came to realize that I would definitely be better off finding my own health insurance policy and I began getting quotes. The first thing I did was visit an office in my town, but I was less than pleased with the prices and benefits available.
Then I started looking online, and found a wide variety of possible plans that looked like they might give me what I needed.
After having shopped for many of potential policies, I’d like to give you three tips that I know you should avoid. I almost made the mistake of getting policies without these things, and if it wasn’t for a knowledgeable friend, I wouldn’t have seen the fine print.
First of all, you’ll want to make sure that any pre-existing conditions will be covered if you take medications for them. Sometimes you might have to pay a higher premium, but it’s better than having no coverage for those things at all.
Secondly, you’ll want to make sure that your preferred doctors are on the network, or else you might have to come out of pocket for visits to them.
Lastly, make sure that you’re covered out of state should anything come up. The last thing you want is a huge medical bill for something that happened while you were traveling.
The author of this article also writes about concerns of a Magniwork scam at http://magniworkscam.com.
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