How To Choose Good Health Insurance

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In this day and time, not having  health  insurance might one day lead to the decimation of lifetime savings. Many people receive  health  insurance through their employer, therefore they usually have just a few choices between plans, such as an HMO or PPO. Others, like those who are self-employed, might need to purchase a  health  plan on their own, so they will have to do some research before selecting a plan.

If you are among those who have to decide which  health  insurance is the best for your circumstances, consider the following:

1) Your current  health  care needs and medical expenses

2) Medical needs and expenses of your family members

3) Medical services that are most important to you

When looking at  health  plans, compare benefits, monthly premiums, deductibles, co-pays, coverage for physicals and immunizations, preventive care, etc. Depending on your family’s present and long-term needs, you might want to explore coverage for infertility, mental  health  services, or long-term care.

But don’t stop there. Learn how the plans you consider work:

1) Is your current  health  care provider in the network?

2) How much does it cost to see somebody out-of-network?

3) Are referrals needed to see a specialist?

4) What is the referral process?

5) How easy is it to get a referral?

6) What hospitals are in the network?

7) Are benefits limited to pre-existing conditions?

Decide what’s important to you. Do you want to be able to see the  health  care provider of your choice? Are you concerned with convenience of the clinic’s location, covered benefits, or meeting a monthly budget? While deciding which factors are essential to you, consider checking out the report card for America’s best  health  plans, as well as the recognized physician directory available online at: http://www.ncqa.org/tabid/60/Default.aspx


Source by Ed Stein



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