Basic keys for the best individual health insurance policies

Choosing the right health insurance is hard enough with the plans of employers, but at least, the questions can be directed to someone on staff who know more than you and will not rely on expensive plan. When you buy insurance on your own, the choice is much more complicated. Most employers offer only one or two health insurance as an option. On the individual  insurance market, you will probably encounter dozens. And you see fit.

They are struggling with information on as many different individual strategies can lead to serious incentive to move to the next, which seems reasonable in the medium. But in the middle of the road, not good enough. Stay with the following eight goals to help break the fog number and unfimiliar terms.

First, your "must haves". You can not predict a sudden injury or illness, but perhaps some medical needs. Not all the rules on maternity coverage, for example, but obviously, must-have if you start a family.

2.Primary Cost. Just as there is no reason, a luxury car with a monthly payment that you can not afford, there is no point in thinking about the Cadillac insurance policies with high premiums each month, if the budget can not cope. It would be more convenient if you are relatively young and healthy, by choosing high-deductible policy, for a total pay out of pocket, as a rule, more than $ 1,000 before benefits kick in their basic expenses should also have copays (flat rate for the office visit or medical examination) and coinsurance (your share of the costs of prescriptions, or hospital) to your account.

3- Network Providers. If you have a favorite doctor and specialists that you like then ensure that he can participate in the network plan. Insurance coverage is generally lower than the proportion of spending on medical care outside the network and does not cover everything.

4. Out-of-pocket maximums. with some plans, there is no limit on how much you pay out of pocket for one year, regardless of height. Avoid plans with no annual limit. Even with these limitations, the costs are covered only if the insurer considers to be medically necessary. I have many projects, it can still be a supplement.

5-Prescriptions. All prescription drugs you take regularly need to be closed. The online list of drugs ("form") will tell about you.

6- Annual limits and services. In the health care reform, the dollars annual coverage  limits vanish by 2014, but now anyone can buy a policy to have a lower limit than $ 750 000. For that amount, pay the full cost of medical care after coverage has been exhausted. There may be restrictions on certain specific services such as visits and prescription of rehabilitation.

7-dependent. If you have children aged under 26, have no health insurance from their employer, the law allows them to be on your insurance. Policies may not exclude children under 19 years from coverage because of existing conditions.

8- Getting Help. You can plow through the individual health insurance by the state, without having to enter your name, phone number or other personal information and Healthcare.gov, launched last summer, the federal government provided consumers with the tools to find and compare policies. Basic information about buying health insurance is also on site. If you want a live person to guide you in detail the National Association of Health Underwriters has names and contact information for agents and authorized dealers.

Posted in: Health Insurance