By Helen Sharpe
Do you have to buy health insurance? If you have started comparing major medical policies and premiums, you know how tough it can be.
Health insurance is not cheap. And if you compare plans and coverage levels, you can see that the price varies quite a bit. Most people want to find something they can afford. But nobody wants to save a few dollars by sacrificing top quality coverage and medical service. It is hard to balance price and quality when shopping for a major medical insurance policy.
The type of policy can affect the way we get medical coverage too. Some require members to visit network providers in order to get coverage. Others have no restriction, but may have complicated claim forms to fill out in order to get our costs covered. Which is the right one for us? It can be hard to figure this out.
One helpful new tool is an online insurance quote form. You can use it to get competitive quotes and premiums in your own city. Since insurance plans vary by states, counties, and zip codes, this is one good way to find options where you live.
These quote forms are great. They can give you information about local major medical insurance. They also give you contact information for local health insurance agents. This is a big plus because you will probably want to speak with qualified professionals before you make such a big decision!
Beware of any health agents who are too fixated on selling one type of plan. They may have sales goals to meet, or that may be the only plan their company lets them sell. There is no one right plan for everybody. They should listen to your concerns, ask you some questions, and then present a health plan that is best for you.
Do not let any salesperson pressure you into buying the first plan that he or she shows you. You should feel comfortable getting a few plans to compare. You are not under any obligation to buy a policy from the first person you speak to. A good agent should be comfortable with this.
Just understand that you need to find the best health insurance policy for you, and not for the insurance agent. If they have been in business for a long time, and have had many long term clients, they should understand that too!
categories: health insurance,major medical,insurance,health
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MLA Style Citation:
Sharpe, Helen "How To Buy Better Medical Insurance." How To Buy Better Medical Insurance. 14 Jun. 2010. uberarticles.com. 2 Jan 2015 <http://uberarticles.com/finance/health-insurance/finding-a-good-health-insurance-agent/>.
APA Style Citation:
Sharpe, H (2010, June 14). How To Buy Better Medical Insurance. Retrieved January 2, 2015, from http://uberarticles.com/finance/health-insurance/finding-a-good-health-insurance-agent/
Chicago Style Citation:
Sharpe, Helen "How To Buy Better Medical Insurance" uberarticles.com. http://uberarticles.com/finance/health-insurance/finding-a-good-health-insurance-agent/
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