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Getting Individual Health Insurance Quotes
Health insurance is something that everyone will need at some point in their life. Even if you are healthy today and rarely need to see the doctor, nobody knows what tomorrow will bring.
When getting individual health insurance quotes, compare the level of coverage with the deductible and out of pocket costs you are able to afford.
Deductible and out of pocket costs
The best way to buy health insurance is to consider your current monthly income and determine the maximum deductible and out-of-pocket expenses you are willing to spend. Keep in mind that lower deductible plans generally have higher monthly premiums. You can balance the monthly premium with the deductible to find a plan that meets your budget.
Is your doctor on the plan?
If you have a preferred doctor that you would like to maintain then you will want to check to see if he or she is a member of the plans you are considering. Since health plan physician lists may not always be up to date, you may want to give your doctor a call and ask them if they are on the plans you are thinking about.
Not all health plans have a prescription benefit. If you have medications that you take on a regular basis then you will want to be sure that the health plans you select provide a prescription benefit. Keep in mind that on some plans the prescription benefit may differ from the major medical portion of the health plan.
Switching Health Plans
Generally, you can switch health plans annually. So if you are not happy with your health plan for any reason you can enroll in a different plan with the same carrier or with a new insurance provider entirely.
Annual Health Screenings
As part of the Affordable Health Care Act, all health plans now include one free health screening per year. Refer to your individual health plan for more specific details about this valuable benefit.
Health insurance is one of the most valuable investments you can make. FREE Health Insurance Price Comparisons for Individuals and Families