Tuesday, February 8, 2011

Where can I search for health insurance that's right for me?

I'm looking for affordable health insurance. Is there a website where I can compare rates and benefits of different health insurance providers side by side?
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What do you consider affordable? I have clients who think their $1000 per month policy is affordable and others who complain about paying $100 per month. Do not try to do this over the internet. It'll take you several days to intelligently compare all the plans available. Also, if you have any pre-existing conditions that might add a rider to the policy, cause you to be declined, or if you are out of the height and weight guidelines you won't know until you've applied and gone through the underwriting process. You should visit a local agent that works with all the major companies in your area. The agent can help you find the best plan for your situation and budget, usually in just a few minutes. There is no extra charge using an agent. Be aware that with health insurance you get what you pay for. How smart is it to save $30 per month if you have a hospital charge of $100,000 sometime in the future.
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