Thinking of getting heath insurance? Here are 5 things you must know.
1- A health insurance plan protects you and your family financially in the event of an unexpected serious illness or injury that could be very expensive. One can never predict when it will be needed. With health care costs constantly on the rise, and the ability to get customized, affordable health care plans, no one should be left without it. In addition, you are more likely to get routine and preventive care if you have health insurance.
2- Health insurance plans are largely classified into group insurance ( the type of insurance you get from your employer or the organization to which you belong ) , individual insurance ( which involves buying the insurance yourself from insurance companies), and government programs that operate at the national, State, and local levels ( for example Medicare, and Medicaid ).
3- Read the terms of the insurance plan carefully, and find the plan that suits you most. Be sure to carefully examine the following factors:
1. Premiums.
2. Coverage/benefits.
3. Access to doctors, hospitals, and other providers.
4. Access to after hours and emergency care.
5. Out-of-pocket costs 6. Exclusions and limitations
4- Don't decide on your own. Before you chose the right health insurance, Consult other people, including your colleagues, family members and friends. Carefully listen to what they tell you, and learn from their advice and experience. What issues did they consider important? Which insurance companies do they recommend? How did they balance the cost/benefit of a proposed health insurance plan?
Once you have a clear picture of the sort of health insurance which is best suited for your needs, you can use web sites to get health insurance quotes and compare them, so to find an affordable health care insurance plan. If you still feel that you need to know more about health care insurance you can read more on my site.
