subject: Virginia Health Insurance Plans – Keep Healthy in Virginia [print this page] Virginia Health Insurance Plans Keep Healthy in Virginia
We often take our health for granted. It's something we really don't appreciate until it's gone. This is why having health insurance is so important. If your health fails and you don't have insurance you have to pay the full cost of your medical expenses. Purchasing insurance after your health fails can be difficult. You may be denied coverage or you may have to pay a higher price. If you lie about your health to avoid being denied or paying higher premiums, you can be charged with insurance fraud and sent to prison. To avoid all this, you should purchase health insurance before your health starts to fail. Before you head out to buy a policy here are a few Virginia health insurance plans you may be interested in. The most common type of health insurance plans are group polices. Group policies are the type of health insurance plans most consumers are familiar with. If you are employed you can become a part of your employers group insurance plan. With this type of insurance your employer partially pays the insurance company on behalf of its employees. The employer pays most the monthly premium and all the employee has to do is pay the difference. Usually the difference ranges from 16-27%. Group insurance policies are sometimes cheaper, but usually employers don't give you a lot of options and sometimes the plans don't cater to your individual health needs.
If you are self employed or don't like your employers insurance, you can buy an individual policy. Although an individual insurance policy costs more than a group policy you can adjust it to cater to your individual health needs. One upside to buying an individual health plan is that you are the owner of the policy. If you switch jobs or move you can take the policy with you. Group plans end when your employment ends,unless you elect for COBRA coverage. COBRA coverage can be very expensive since your employer is no longer contributing anything to the premium.
Virginia health insurance plans are something every Old Dominion State resident should have. It may seem like a frivolous expense, but it is completely worth it. Sickness and injury can touch at any time. They usually strike when we least expect it. If you aren't insured then you and your family are stuck paying the full cost of your medical expenses. The total cost of your medical expenses will probably cost more than purchasing insurance in the first place. Avoid this from happening in the first and protect yourself. You never know what's going to happen, so you should purchase some health insurance.
welcome to Insurances.net (https://www.insurances.net)
