Private Health Insurance
Five percent of Americans have a secure private health (also known as single). A policy of insurance may cover a single one individual, a father and his children, or a whole family. Buy private health insurance can be confusing and frustrating. People who previously had a safe employer sponsored often face an attack. Individual policies are usually more expensive and offer fewer benefits than group policies. Proper and careful research will help a consumer to find the best plan, and more affordable, to meet their health care needs.
Offering free assessments for plans safe individual. Enter date of birth and gender of the person you want on your policy. Mention any smoking or preexisting conditions.
Visit the website of your division safe state to learn which companies offer insurance in your state private. The website can also provide records of complaints to these companies.
Find an agent. Ask a friend you trust to give you references. You can also contact the National Association of Health Underwriters (NAHU, acronym in English) to find an agent in your area. When you meet with the agent, take detailed notes about the various policies that you argue. Compare bids agent company listings on the website of the insurance in your state. Some companies offer such low commissions that agents choose not to offer such plans. Contact directly with those companies.
Look at your budget. See how much you can afford to spend on your premium insurance health every month. Because the insurance is expensive private, you may need to stretch or adjust your budget to meet your health care needs.
Compare additional costs, including copayments and insurance complementary to each plan. Add your expected expenses based on any preexisting condition and needed prescription. See also maximum lifetime coverage and considers how easily you could reach the limit.
Consider raising your deductible items. If you are high, usually provide a lower monthly premium. If your family is generally healthy, consider a high deductible plan. You will have to pay most of your medical costs out of your pocket until you reach the deductible. These costs do not include certain preventive services. Health care reform in 2010 requires some routine tests and free revisions, regardless of your deductible items are provided.
Consider a health spending account (HSA, English acronym). These plans allow you to save money not audited for your medical costs. The unspent money accumulates in the account.
Select a plan. Fill in and submit your application. Be careful to disclose your full medical history. You may need to provide medical records.