subject: Low Cost Health Insurance - What You Have to Watch For when getting health insurance [print this page] Low Cost Health Insurance - What You Have to Watch For when getting health insurance
re you one of the millions and millions of Americans who is looking for a low cost health insurance that would fit their needs in these financially trying times?
There are two types of plans you have to look out for when getting low cost health insurance
#1 You can find some plans that you might pay more but you end up having the wrong coverage. This will end in disaster if you take this type and your insurance does not cover your treatment.
#2 There are some that come off as very affordable and yet provide you with the right coverage. This is what you should be after. The second type of plan.
Each insurance company has this shining little treasure ready for you to find. All you need is for you to be a little bit patient and determined to find it.
But, how do you look for a low cost health insurance that is the right fit for you and your family? How do insurance companies vary their cover to fit their customers needs?
1. Premium.
Make sure that you are able to meet the payment deadlines of your monthly premium. This can be either be monthly, every 3 months or every year. You should also assure yourself that the premium you have chosen is affordable. You should remember that premiums are higher when you are a lot older or when you have an existing condition.
2. Coverage or Benefits.
Make sure that you know which illnesses or diseases your health insurance cover. And what benefits you can get from buying the plan, like discounts if you do enroll more family members. Find out what cover and benefits you get if you need hospitalization or from any surgical or medical procedure done. Try to look for some form of cash allowance too.
3. Hospital Accessibility.
Some insurance companies have plans that need you to find medical help from a list of hospitals they have in their network. They will also require you to find a doctor if ever you get hospitalized that is under their list of doctors.
This might come off as a disadvantage to many since some patients are already comfortable having doctors of their own. You have to think that this is one way of saving a lot of money. And health insurance companies do screen these doctors.
4. Existing conditions.
If you already have a condition ensure it is not just covered but it is covered as soon as you take out the cover. Some insurance companies make you wait from six month to a year before you can be treated for existing conditions and this can work out very expensive if you have to pay for the treatment yourself before that. click here to get low cost health insurance now.
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