Health insurance is a must in today’s climate of rising health care costs. If you aren’t fortunate enough to receive health insurance through your employer, here’s how to get the best price on health insurance on your own.
What Kind of Health Insurance Do You Need?
You don’t want to pay for more health insurance than you need, but you do want to make sure you are protected. The first thing you need to do is decide what kind of health insurance you need. Begin by asking yourself these questions:
* How much can I pay for co-payments and deductibles? The higher you set these items, the lower your premiums will be, but you need to make sure you can pay them.
* Do I need short term or long term health insurance? If you expect to get a job that will include health insurance, short term health insurance will cover you until your employer plan begins.
* Do I need basic or comprehensive coverage? Basic coverage covers hospitalization and inpatient/outpatient surgery, while comprehensive coverage can also include doctor visits, preventative care, and prescriptions.
* Do I have a particular doctor or hospital I prefer? You’ll want to make sure your preferred doctor and hospital accepts your insurance.
Find the Best Price on Health Insurance
Now you can start looking for the best price on health insurance. Begin your search by going to an insurance comparison website. These websites make it fast and easy for you to get and compare quotes from different insurance companies. All you do is fill out one simple form with information about yourself and your insurance needs, and you’ll soon get quotes from multiple A-rated health insurance companies.
On the best insurance comparison websites, you can even talk with insurance professionals, online or by phone, and get answers to all your health insurance questions. (See link below.)
Visit or click on the following link to get health insurance price quotes from top-rated companies and see how much you can save. You can also get more insurance tips there.
The authors, Brian Stevens and Stacey Schifferdecker, have spent 30 years in the insurance and finance industries, and have written a number of articles on finding the best health insurance price.