Monday, January 17, 2011

Health Insurance?

I am 29 years old and looking for health insurance for me and partner of same age, which include medical as well, hassle free claims in future, and with best offers?
--------------------
You need a trusted adviser to help you through the process so that you understand what you are purchasing. Some may suggest going on line to get a quote but there is so much more to this decision than price. The first thing you need to determine is how much you will participate in sharing the cost of your health care. This ultimately determines the cost of your health insurance plan. If you choose a plan that covers everything i.e. doctors office visits, prescription drugs, preventative health benefits, maternity coverage and you choose low deductibles and low copays your monthly premiums will be significant. On the other hand you are young, probably healthy and if you rarely use the health care system you might consider a plan that primarily covers the major health catastrophe which will result in relatively low premiums. You can use the premium savings to pay for the occasional doctor visit and still come out ahead. Check with the agent that writes your home or auto insurance he/she can provide you a health insurance proposal that takes into account your budget and health situation. If they don't handle health insurance they could refer you to a trusted colleague. If you want to use the Internet use it to educate yourself but use an agent to purchase the coverage.
Source

No comments:

Post a Comment