Take Out Individual Health Insurance: 3 Basic Tips from A Health Insurance Specialist

If you buy individual health insurance, you may be overwhelmed by the prices and options of online health plans. Health insurance is one of the more expensive items in many people’s budgets today, but it can also be one of the best decisions you make if you have the knowledge to choose the right health insurance plan for you and your family. Here I provide the 3 most important tips that I recommend to my customers when buying individual health insurance.

Tip 1: Don’t Take Health Insurance Advice from Someone Who Is Completely Unqualified to Give That Advice.

I can’t stress this enough. I wonder how many sane people take health insurance choice advice from people who are simply not qualified to give you this important advice. For example, when I saw a mess at a health insurance company and asked where they got their information about their Best Health Insurance Miami company. I must have heard things like my son-in-law telling me to follow this health plan, he works in a hospital. I read an article that said this was the best plan available. Everyone has an opinion on which health plan to choose. Just because they are associated with you or work in a health care field completely independent of insurance doesn’t mean they have the answers to your personal needs and questions. Work with an insurance specialist BEFORE problems arise. You have no idea how many clients I’ve worked with who come to me after purchasing a health plan online and then have a coverage issue and expect me to fix it. I want to let you know that you should have contacted me for help beforehand. Most insurance professionals are paid by insurance carriers, so their service is free for you.

Tip 2: Identify Your Real Needs.

Three things to consider when determining your needs are your budget, frequency of doctor and hospital visits, and use of prescription medications. Ask yourself these questions How often do you visit your doctor. This is another area that most of my clients ignore. It is impossible to have maximum coverage in all of these areas in an accessible manner, maximum coverage for doctors and hospitals plus prescriptions leaves a dent in the budget. However, most health plans offer more than one version of the same plan. Let’s say you have a Health Insurance Best Price plan that provides maximum coverage for your doctor, maximum coverage for your hospital, and maximum coverage for your prescription drugs. But the cost of a health plan is the same as your mortgage. The good news is that health plans may also have customization options, meaning that if after analyzing your needs you find that you visit the hospital less frequently, you can change the health plan’s hospital coverage to moderate or even minimal, which reduces premiums significantly. If you are confused about this option, a health insurance specialist can help.

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