Not having health insurance can seem like a great idea until you suffer a serious injury or come down with a chronic illness, as these generally result in high medical expenses. Having a solid health plan is the safest option; use the advice below to pick the best policy for your family.
Open enrollment is a time for you to assess your health care needs. You might find that old choices in your health insurance plan just do not make sense anymore for your current situation. Open enrollment is also the time to make changes to dental and vision insurance coverage if your employer offers that.
You can get catastrophic insurance instead of comprehensive to save cash. Comprehensive coverage will give you prescriptions and doctors visits, but catastrophic will cover more expensive medical bills from hospital stays or emergency room visits.
When you apply for insurance, the company will give you a call. Ensure that you don’t volunteer any information they don’t specifically ask for. Answer only the questions they ask you directly, and keep your answers focused and short to offer nothing more than the specific answer. Remember that the insurance companies are trying to make money, and anything you say can and will be used against you, in the form of raising premiums or denial of coverage.
Private insurers are regulated by the local state government insurance agency, which means that insurance cannot travel with you across state lines. Depending on your plan, a trip to the ER in another state may not be covered. Health insurers are very precise on what they will cover, so make sure to understand all the finer details of your policy so you know what is covered.
If pregnancy is in your plans for the future, make sure your insurance policy will cover all of your pregnancy-related expenses. Some heath insurance policies do not cover some or all of pregnancy-related services.
Life is unpredictable, which makes it especially important to always have adequate health insurance. At any time you could get sick, or something worse can happen, such as a car accident. Follow the tips you have just read to shop for a good policy to make a good investment.