About Health Insurance

Health insurance is not one size fits all. Each person has very specific needs that require certain coverage. This means that shopping around for your policy is not something to be taken lightly. It is best not to select the first option you find. The best way to make sure you get coverage that is right for you is to do your research.  Here are some things to consider when comparing quotes:

1. Claiming Procedure:
The process of filing a claim should not be complicated. You do not need any further barriers; the healthcare industry is complicated enough. The more complicated the process, the longer it will take for your claim to be settled. With the high cost of medical care, you need to know what costs you will face. This could prevent you from being able to seek additional care. Examine each company’s procedures carefully and then decide.

2. Customer Support:
Given the complicated nature of healthcare, 24/7 customer service is a must-have. In the event of any misunderstandings, your insurance company’s customer support should be able to help resolve it. You need someone who will advocate for you. They are supposed to provide coverage and make your life easier. If they stand in the way of your receiving proper, affordable treatment, they are not the right company for you. Before making any decisions, research the company and their method of dealing with clients.

3. Insurance Amount:
The most important decision is choosing the right health insurance amount. How much coverage do you need? Do you have any pre-existing conditions? Do you have family members that you need to insure as well? How much coverage can you afford? You will need to weigh the cost of monthly premiums against your deductible. Consider how many claims you usually make and how quickly you might reach your deductible.

4. Network Providers:
Do you like your doctor? This is where you have to make a decision about HMO and PPO options. Do you want to be directed to certain providers or do you want the freedom to choose? If you have no preference, you might do well with an HMO. Of course, there are price differentials to consider here. It is important to dig into the details of the quotes to make sure you get what you are looking for.

We hope these tips help, but know our quoting algorithm wil make sure you get the best insurance for your  needs and more importantly your money. Insuring your health is one of the most important things you will do and we're happy to help you on your journey.