subject: Suggestions To Owning A Company And Health Insurance, Where To Look [print this page] Becoming sick or getting hurt while working is not a planned incident. It always happens when it is least expected or when there is no money to pay for medical treatment. Being self employed and paying for health insurance can be an overwhelming burden for many.
Having your own company is a great accomplishment, but with it comes the sole responsibility to provide health care for you and your family. There are no paid days off for being sick or getting injured on the job. The only thing to do is bite the bullet and get back to work as quickly as possible. Insurance could take a large burden out of worrying about the medical bills. There are various packages available for those who are self employed and the coverage varies by state.
There are many good points to being in charge of choosing your own coverage. You will have the option of picking and choosing the policy that best fits your specific needs. You should not jump on the first company you come across, instead do a price comparison.
When comparing the insurance look for the coverage available, the amount of the policy in full, monthly payments and deductible options. Be realistic when considering the deductible amounts. If a policy is only a few dollars less than a competitor, but the deductible is different by thousands, it will be worth the few extra dollars each month as opposed to coming up with a few thousand for one medical visit.
Each policy will offer different coverage and may or may not include visits with specialists, physicals or a consultation. Some do offer a physical one time per year at no charge. This is good to have if you are in good shape but prefer to have a check up. Also look for companies that offer discounts for non smokers or individuals with no previous health issues.
Getting health insurance for those who are self employed can be a daunting task but, take your time and review at least ten different policy options before making a decision. Pick only the coverages you may use, for example if maternity coverage is something you have no need for why include it in the policy. Also verify that the company you may go with will cover your current doctor or medical facility.
by: Enrique Castillano.
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