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How to Compare Health Insurance

Health insurance is as important as purchasing life insurance. It is less costly when compared to other insurance designs. Finding the right kind of coverage can be simpler in the event you understand how to compare the different insurance designs that are obtainable.

    one

    Study the Consolidated Omnibus Budget Reconciliation Act (COBRA) coverage. This is the best coverage you can get in the event you have been recently laid off or are unemployed. You can extend your coverage from 18 to 36 months using the same group insurance under your employer. Be prepared to pay for the premium separately either to your employer or directly to the insurance company.
    three


    Ask your employer about the medical health insurance coverage in your office. Your employer usually provides the simplest and the best options. Sign on with them, as you can save more and get a more comprehensive coverage.
    two

    Discover a medical health insurance agent and collect information about the different designs obtainable. Visit the NAHU (National Association of Health Underwriters) at their web-site, www.nahu.org, and discover a local office in your area. This is of the best ways to find and compare medical health insurance designs.
    four

    Compare Fee-for-service, Preferred Provider Organizations (PPOs), Point of Service (POS) and Health Maintenance Organization (HMO) insurance designs.
    â�¢ Check out the details of fee-for-service plan. It lets you select which doctors to visit. However the premium for this plan is higher compared to other insurance designs. In cases when a specialist is necessary, you can select at your own discretion.
    â�¢ Tthe PPOs designs do not offer you the flexibility on which doctors to visit. You must select from the list of physicians coming under this plan. The premium for PPOs is lower compared to fee-for-service designs.
    â�¢ Keep in mind, the POS network requires your physician to select a specialist for you while other features of the plan are same as PPOs.
    â�¢ Keep in mind that HMOs are highly restrictive in allowing you service flexibility but they are the least costly in terms of managing your health benefits.
    five

    Check for a renewal clause. It ought to pre-qualify you for automatic renewal at the existing premium rates irrespective of your medical history. It ought to also have a no-dropping clause.
    7

    Evaluate the coverage on drug prescriptions. The best way to go about this is by looking for medication that you usually buy for a preexisting condition and compare the designs that offer it without an additional cost.
    6

    Think about the time it takes to take care of your medical issue. Some designs will keep you waiting before you can see a physician, while others will give you instant attention.

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This post was written by:ahmedslem

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