Health Insurance Companies

There are several health insurance companies to choose from, so how do you pick the right one?

First thing you need to know it the Department of Insurance in your state regulates the real health insurance companies, so no matter what agent you go to the price is going to be the same from agent to agent.

So here are a few tips to help yo make the right choice:

TIP #1: Make sure you know your budget FIRST. No matter how good a plan sounds, if you cant afford it and dont pay for it you will have NO COVERAGE when you need it.

TIP #2: Dont be affraid of the deductible, as many agents will steer you toward a low deductible which may sound good, the fact of the matter that only rasies your monthly cost, increases the agents commission in the off chance you even meet your deductible. Industry sources claim less than 5% of all consumaes ever exceed your deductible, so you gave agreater than 95% chance never to use it. SO DONT base your entire decision on a benefit that only has a 95% chance of even being used. IT WILL SAVE YOU THOUSANDS!

TIP #3: DONT buy name brand. If you find that the name brand has a better price and product, then it is the right choice, but just because it is the carrier your parents had, does not make it the best option. Do your homework, make sure you understand what you are buying.

SAFTEY NOTICE: BUYER BEWARE: Do not buy a DISCOUNT CARD or DISCOUNT BENEFIT PLAN and expect it to be insurance, make sure you know what you are buying. Do not wait until it is to late to figure out you do not have real insurance. Call your Departmant of insurance if you do not know!