Finding the right health insurance can be both overwhelming and confusing even for the professionals in the health care industry. Insurance policies are constantly changing and updating, making it crucial to properly research and discover the right plan for an individual and any dependents.
1. Ask if a Pre-Existing Condition is Covered
Thousands of people try to find a health insurance plan after they become pregnant or are diagnosed with an illness or condition. Most insurance companies won’t cover an applicant if they already have a condition, making them wait a certain amount of time after obtaining the plan to receive any benefits. Ask beforehand to ensure you get the medical care and attention needed immediately after signing up.
2. Be Aware of Savings
Many people assume that having coverage for an individual is often cheaper than going with a group rate. They’re afraid that there aren’t as many benefits, or even higher premiums, when opting for insurance that covers an entire group. Although the benefits are less, it’s wiser to save in the long run if your family is healthy and thriving without any serious health concerns.
3. You Can Still Stay With Your Doctor
Many different health groups provide access to only a specific amount of physicians, hospitals, and urgent care centers. If you have a dental physician that you want to continue seeing or an urgent care center that is within a mile away, then go with an insurance company that guarantees coverage with centers or physicians you’re already familiar with and know your history.
4. Try a Broker
For those who are obtaining health insurance for the first time, consulting with a broker is a wise step to ensure proper coverage and to have all questions answered. A broker often has access to competitive rates and can ensure you obtain a better policy than you would on your own. Although brokers do come with fees, it is often worth the savings in the long run.
5. Ask For a “Free Look”
Several health insurance plans allow people to have a trial period with the insurance and test it out. They’re even guaranteed their money back if they change their mind. This can make it easier to choose what policy to go with and ensure you’re satisfied with the insurance after the first month or so. Know that if you do ask for a refund, it could take several weeks.