subject: How to buy individual health insurance [print this page] How to buy individual health insurance
While looking to buy individual health insurance in Virginia, there are many points that you need to take care of. It is advised that consumers should shop carefully before buying insurance because coverage and costs vary from company to company. Though the law in Virginia maintains that companies can't have different prices for the same level of coverage, but still, prices and coverage level could vary according to the individual needs.
Some points to remember before buy individual health insurance in Virginia
As a learned consumer, you should know what medical services are covered in the policy?
It is important to ask how much you would need to pay before the insurer starts paying for you.
If you want to go for co-payment options, you need to decide how much.
If you have a pre-existing condition, it is important to know whether it will be covered or not. Some companies in Virginia may even refuse to provide coverage.
How much is the waiting period before the health insurance plan starts providing coverage?
How to buy individual health insurance in Virginia
Below are some points that you should keep in mind before going to buy any individual health insurance policy in Virginia:
It makes sense to talk to a health insurance agent of your area to provide some options of health insurance plans. A health insurance policy is bought to provide coverage when you get illit is of no use if you are healthy. So weigh the needs and requirements carefully and decide which policy will suit you more.
It is important to update yourself with the changes and benefits brought upon by the implementation of the Affordable Care Act. The Act brings lots of changes in dynamics of insurance industry and some specific changes for Virginia.
Sometimes, agents provide plans that are called discount plans. You should not buy these plans if you are not sure about their credibility. Regular health plans should be considered.
It is important to find out that the company selling you individual health insurance is licensed from the Insurance Department of Virginia. A lots of fraud companies also try to sell their productsyou should take proper care about this aspect.
It is important to know the rights and protections provided under state and federal law for individual health insurance policyholders.
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