If you do not have health insurance, you are taking a huge risk. You will have a large bill if something does happen. A broken bone, serious illness, or extensive trauma can result in very high medical bills. It’s always safer to have good health plan, and to help you with the process this article has outlined tips when you are picking out a policy to protect you and your family.
There are plenty of options for you if you have just finished college and you are looking for health insurance. If you are employed, talk to your boss about employee-based health insurance. You can get on your parents’ insurance if you’re under 26, in which case, you can also use that time to research plans.
Ask your employer about any existing employee wellness program. A lot of employers give out incentives for their employees in order to have their lifestyle and health assessed. You might be able to take exercise classes that lower the employer’s insurance costs, and some of that savings is passed on to you.
It’s important to have vision insurance if you currently have eye problems, or if vision issues are hereditary in your family. Vision insurance can cover a majority of your checkup costs as well as the costs of any frames, lenses or contacts you may need. You do not have to have vision insurance, and some choose to save money by not buying this coverage.
Pay attention to which prescriptions are covered under your policy. Some insurance companies will change the kind of medication they cover or the pharmacies where you can get your prescriptions at. It is important to be aware of these sorts of changes when you are considering re-enrollment. If you have daily medications that your current insurance stops covering, find a new provider.
There are always some situations and conditions that will not be covered by your health insurance. Carefully read your policy, so that you will not feel surprised if your insurance denies a claim. Be prepared to pay for some things that will not be covered, such as some medications or procedures.
If you are contacted by an insurance carrier in conjunction with your application, do not give information for which they did not ask. Answer only the questions they ask you directly, and keep your answers focused and short to offer nothing more than the specific answer. If you give any extra information, it will be recorded and can be used to raise the premium, or can even be cause for denial.
Health insurance is critical, because it’s not always possible to know what life will bring. Illness and accidents may strike without warning. Follow the tips you have just read to shop for a good policy to make a good investment.