subject: Research Before Signing On Health Insurance [print this page] Of course, everyone knows that it is best when you can get your health insurance coverage through your employer but many times this is just not possible and if you have recently become unemployed then you may find that COBRA benefits are just a little out of your reach and may wind up having to shop around for health insurance on the web. If you find that you are in need of insurance and want to use the internet to help you find the best rates available then it is a good idea to keep a few things in mind as you shop.
You can find dozens, even hundreds of insurance sites that offer coverage in just about every way possible if you sit at the computer and type letters all night. Most of the benefits that are offered sound the same, but they are really different, so don't rush into anything or take it lightly. Make sure that you understand that if something sounds too good to be true, then it probably is. Research the company, make some phone calls, get a feel for the company that seems to be the best and remember, always, that you can never ask too many questions.
Almost every website that sells insurance policies has a rate comparison charts that look great visually and might make you sign the first time you see one, but don't buy into it. Every site will try to compare their rates to everyone else and they all have different ways to slant it in their direction. Don't be fooled by those comparisons. Take some time using your phone to call places individually before buying into the hype.
Also, don't be fooled into thinking that all insurance companies have similar so-pays and deductibles because they don't Some might sell you the policy at a lower rate than others and then rob you blind if you ever have to use their policy. Compare all of the policies and make sure you check the fine print.
Always remember that, while using the Internet is a great way to start your search, always go straight to the source before signing away the future of the health of yourself and your family. A little bit of time will help out a great deal when you really need it.
by: Ethan Kalvin
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