how to choose a health insurance plan?

by yogesh0505 » Tue Sep 23, 2008 02:55 am

how to choose a health insurance plan?

Total Comments: 35

Posted: Mon Jul 02, 2012 12:48 pm Post Subject:

Before choosing the health insurance plans, get to know the types of the plans available and their benefits atleast up to the ground level.

The various types of insurance details are available online on various sites like get-online-insurance-quote.com.

For information regarding the health insurance, you could click Health tab in the above site.

Then opt for the companies which provide these plans in a more effective way. Choosing the trusted agencies can also be done with the help of the tab "Find Insurance Agents" in the same who guide further in choosing the planning and the company to get more benefit.

Posted: Sun Jul 22, 2012 04:09 am Post Subject: Seeking Suggestion for Choosing Right Insurance Plan

Lots of Questions to select for a good Health Insurance. Short or Long??? Mode??? After analyzing several Insurance companies, I Want to Select the SHORT term policy of 2HEALTH INSURANCE. So seeking ur opinion , PLZ HELP ME. . .Check the link and Help me out for Findings:

[Link removed - Admin]

Posted: Wed Jul 25, 2012 02:29 pm Post Subject:

Choose a health insurence based on your budged and the quality of the service you would like to have. There plenty of insurace companies and you will have to find the right.

Posted: Thu Jul 26, 2012 12:25 pm Post Subject:

Written like a true non-English speaker. Information of no value.

Posted: Fri Aug 03, 2012 08:06 pm Post Subject:

Even though you misspelled budget, it is a factor in deciding on an insurance policy. As is your usage of medical services and your risk tolerance based on those uses. No one can say the best policy is an HSA, PPO, POS or even a HMO. Any one of those might be the best fit for your situation. Maybe it takes a combination of policies to get the premium and risk balanced for your family. One thing I do know after having been in this business for 8 years is, there are too many options available for even us brokers to completely understand every idiosyncrasy of every available policy, from every company available.

Three things are really important in the process.

1. You need to find a broker (by definition, represents multiple companies not just one) that has been in business for a while, and that you feel is going to diligently research on your behalf. They have already weeded out policies and companies that offer poor coverage or leave you with hidden loopholes.

2. The Advice of a broker is free. You won’t pay anything additional to get this advice because all like policies are the same price no matter who you buy them from (it’s the law). What that really means is, that if two brokers (or two websites) give you two different prices for the same policy, from the same company, well, they really aren’t the same policy, there must be some small difference.

3. Spill your guts! Tell the broker you choose everything. Nothing worse than applying for a policy and finding out the price is different because…., or getting a decline. I know that when I am quoting for a new policy, I try to make sure what I say is available is really available and at the price I say it will be available at. This kind of stuff can’t get handled on a website. I hear from people all the time that tried to get insurance online only to get declined or find out the price the website quoted was nowhere near the actual offer.

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