Individual Health Insurance - How To Find The Best Plan
One area that many self employed people and entrepreneurs struggle with is finding
and deciding on what is the best individual health insurance plan that fits their budget. Their are literally hundreds of plan varitions from multiple carriers that it will make the common persons eyes spin when trying to decipher which direction you should go. However, if you follow the simple advise laid out in this article you will be able to find the best health plan available that wont leave you frustrated at night.
The internet is first place where you want to start your search. You can find out a lot about the insurance carriers and the individual health plans online. This is particularly nice because you can do your search when it is convenient for you in the privacy of your home. There are thousands of sites that will provide quotes on individual health insurance. However, you want to be careful when you use them. Some collect your personal contact information and pass it on to any agent that purchases their list. This means you could end up fielding unwanted telemarketing calls from pushy agents.
While searching online you should focus your search in your state as coverage varies from state to state. The search results will generally include the corporate sites of insurance carriers where you will find information about the coverage they offer. You will also likely find local agents that specialize in individual health insurance in your state. These sites should give you an abundance of information as well as online quotes. Please note that quotes you find online are always quoted best case scenario and are only estimates of what you will pay. Your actual cost for coverage will only be determined once the insurance underwriters have completely evaluated your risk factors.
Once you have completed your preliminary search online and have a general understanding of plans, carriers, and rates - the next step you should do is to work with an individual health insurance agent in your area or state. An agent who is knowledgeable about insurance in your state can help you sort through the maze to find the coverage that fits your life and protects your finances. They can review all the carriers and plan options you have as well as answer any of your specific questions. In addition to this they can give you a more accurate estimate of rates based on your medical history and current health because they have access and knowledge of how each carriers underwriting works. Once you are ready to submit the application, they will also assist you with this to make sure that it is filled out accurately and completely. The best part is it wont cost you a penny more if you work directly with an agent or buy online because the rates are the same.
by: Kent Kingsley
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