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SpinDistribute.com Article Directory

The following article was published in our article directory on April 17, 2012.
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Tips in Choosing a Health Insurance Plan

Article Category: Advice

Author Name: Neil Primack

When you get sick and you find yourself in the hospital, it can ruin your bank account. When you have a health insurance plan, this can minimize the costs that you will incur. When you choose insurance, you need to consider the benefits, cost and the needs of your family. Look at the various plans offered by insurance companies and see if they provide your requirements and meet your budget. This will make you choose the best insurance plan suitable to your lifestyle.

To choose the right health insurance plan, agree to the plan offered by your employer. This may be the cheapest policy that you can find as employers usually go for group insurance plans to avail of a discount. If your employer does not offer insurance or if you are self-employed, you will have to look and apply for insurance on your own.

Evaluate your current medical situation and needs. This includes the needs and health of your family as well. Consider your medical expenses in the future and choose the services essential to you. See if the plan you are considering has dependents' coverage. Assess how much you can spend for co-payments and premiums every month. Remember that the insurance plan of an unmarried, young and healthy individual is different from that of a person with children.

Know the benefits the health insurance plan can provide. Know the deductibles, co-insurance rates, monthly premiums, co-payments, expenses you will incur if you see providers that are not in the network, immunizations, physical exams, preventive care, and others. You may also want dental and eye care, nursing care, fertility services, mental health coverage and long-term care.

Know if your current physician is a part of the network of providers of the plan. Check if you will be required to get referrals for visits to specialists. See if it would be easy to change doctors. Verify the hospitals and facilities included in the plan. Find out if emergency room treatment is also in the plan .

Another important thing to know is if the benefits are only for preexisting conditions. Find out if you have to wait for a specific time until you become fully covered. There are insurance plans that do not cover preexisting conditions.

You should also find out if there is a fair process for appeals if the company rejects treatment. Such appeals should be evaluated by an independent agency outside of the company. The plan should also be accredited by reputable accrediting agencies such as the National Committee for Quality Assurance. See if there are many doctors in the network of providers and if these doctors do serve patients.

The health insurance plan you choose should give your health priorities and needs. You can find this out through a thorough research. Read the materials you find on the insurance company and visit their website if they have one to read their background and FAQs. You can also call their toll-free number and talk to a representative who could best answer your questions. Discuss with the representative flex-spending plans and pre-existing conditions prior to deciding on the plan.

These are the tips to consider when choosing a health insurance plan for yourself.

Keywords: Health Insurance, Medicare Supplemental Insurance, Medigap Insurance, Group Health Insurance

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