Top 10 Things to Consider when Shopping for Health Insurance

Top 10 Things to Consider When Choosing Health Insurance

With more and more people out of work these days, many Americans are having to make difficult decisions regarding health insurance policies. There are a wide variety of policies to choose from (Cobra coverage, catastrophic insurance, HMOs, PPOs, high-risk insurance, etc) and many people don’t know where to start looking or what to consider. Here are ten important issues to consider before researching health care options.

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1. Your current and past health: Do you have pre-existing conditions? Are you generally in good health? How often do you visit the doctor? Do you have long-term prescriptions such as birth control?

2. Who do you need to cover? Do you have dependents that will need to be covered under your insurance?

3. How much are you able to spend on a monthly premium? How much are you willing to spend on a deductible?

4. Do you have specific doctors you want to be able to use under your plan?

5. Do you travel a lot? How will this be covered by various networks?

6. Is it possible to be covered by a parent’s/spouse’s plan?

7. Are you planning on becoming pregnant? Do you need a plan that will cover prenatal care and maternity?

8. Do you need to worry about long-term care insurance?

9. Do you qualify for government-assisted insurance?

10. Is it possible to make lifestyle changes that will lower your premiums or deductibles (i.e. quitting smoking or losing weight)?

“Posted April 30th, 2009 by Heather Steel ”

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