Eight Ways To Make Holiday Health Insurance Shopping Easy, USA
If you're one of the estimated 47 million Americans without a health plan, gohealthinsurance.com offers the following eight simple tips to help you choose the right one…
1. Start online to make your list
Today's websites are designed to make the process easy and simple.
For example, at gohealthinsurance.com, you can answer a few easy questions on a "Plan Finder" tool to narrow the range of plans to the ones that will work for you. And, because most people appreciate getting some expert advice to make the best decision, on gohealthinsurance.com you can click to be connected immediately to an experienced insurance agent "live" while you are online, or to be contacted later if that is more convenient.
2. Don't wait, only so many more shopping days...
The time to buy insurance is when you don't need it. Don't procrastinate thinking that you can get by for another month or year. Illness and accidents happen anytime, and with health insurance, once you get sick you may have a difficult time finding insurance that will cover your newly discovered illness. Besides that, people with quality health care coverage just tend to take better care of themselves instead of putting off important medical examinations.
3. Believe in Santa, but not in the "Unaffordable Insurance" myth
Yes, healthcare is expensive. But it's still possible to find insurance that is affordable. Kids' policies can be as low as $60 per month and include very important preventative care and physician visit benefits. Families can find coverage for as low as $235 per month. Even people with pre-existing conditions may have more options than they realize. Here's where the expert advice of a knowledgeable insurance agent can really help to find the right plan.
4. Explore the Alternatives
A wish for complete and comprehensive family coverage for everyone may not be granted ��" either because of existing health issues or cost. In those instances, consider your priorities. Children can have their own comprehensive policies at a very reasonable cost. Parents can opt for lower cost temporary insurance especially if they expect to re-gain or obtain employer coverage in the near future.
5. Think Ahead
Thinking ahead can prevent surprises in the future when your situation changes and you discover you hadn't included a specific health event in your insurance coverage. For example, a woman may have no plans to get pregnant and be tempted to leave out this coverage. However, her circumstances may change in a few years - or suddenly - making that policy inadequate to cover her health care needs.
6. Learn the Lingo
Even though online websites like gohealthinsurance.com do present insurance information in simple terms, it's a good idea to get a few basic terms defined before you do your research.
Premium - A recurring payment required to keep your health plan in effect. It's usually due every month.
Deductible - This is an amount you're responsible for paying before your health plan picks up the rest of your medical expenses.
Copayment - This is an amount you pay for a specific medical service, whether your deductible has been met or not.
Policy Limit - The total the insurance company will pay out in any given year for your policy.
Out of pocket - The total amount of cost sharing possible under the policy.
In addition, each policy is different; it's always a good idea to work with a trusted advisor to explain the aspects of the policy you're considering.
7. Do the math
Review your last year's use of health services and work with a qualified advisor to help you find the right coverage that meets your needs. Remember that many "high-deductible" health plans can have valuable first dollar preventative care benefits and moderate co-pays to access physician services.
Many individuals just opt for low cost plans without understanding that for just a little more per month, you can get plans that provide you benefits you will actually use in 2008!
8. Read the fine print
No health plan covers everything. Before you enroll, take a careful look at the plan's "Exclusions and Limitations" and consider consulting with a trusted advisor to help you understand all the details.
Unlike the rest of your holiday shopping, finding a health plan won't require a trip to the mall.
About Norvax
Norvax Inc. is the nation's number one online health insurance technology company, issuing more than one million quotes per month from 72 carriers. Norvax's proprietary technology platform links brokers, carriers and consumers to create an individual health insurance marketplace that works. From tools for building Web sites to health insurance quoting engines and email auto-responders that can automatically include updated health insurance quotes, Norvax's product suite lets insurance agents increase sales, cut administrative time and reduce expenses by initiating customer contact faster and automatically maintaining around-the-clock communications with prospects. Ranked as one of the top ten fastest-growing software companies in the U.S. by Inc. Magazine, Norvax is privately held and based in Chicago.
http://www.norvax.com/
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