subject: The Right Time to Buy Insurance at Work [print this page] Most employers have a certain time frame such as 30 days that you have to wait to purchase insurance. This time usually starts from your hire date. The best time to get health insurance or life insurance through your employer is as soon as it becomes available to you unless you already have insurance. If you have insurance already, you might want to compare the cost and benefits of your provider with those of your employer to determine which one would better fit your needs. Most of the time, the insurance provided by your employer is much cheaper than outside insurance.
If at the time of availability you don't have insurance, you may want to go ahead and purchase it from your employer until you find something else. Nothing is worse than being caught without any insurance at all at the time of an emergency. Medical or hospital bills can really drain your pocket even if you only visit once or twice a year, and this is without insurance. This way you will be covered if something unexpected comes up.
One downside to purchasing insurance through your employer is the fact that you may not have many options to choose from when it comes to the plan or the carrier. In this case you need to decide what benefits in a health insurance policy is of importance to you or what benefits will you more than likely need more of. This will determine whether or not you need to look for health insurance providers outside of your employer.
Finding quality health insurance at a great price is not hard at all. With a little internet research, you can locate some of the top health insurance providers who offer great plans for great prices to their customers.
The Right Time to Buy Insurance at Work
By: Erica Robinson
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