Health Insurance Quotes
When comparing health insurance quotes, it is important to understand what you are comparing so that you can make the best decision. As the old adage goes, you want to compare “apples to apples”. This means that you have to look not only at the price of the monthly premiums, but the coverage and benefits that come with that price. Your insurance agent will be able to help you obtain health insurance quotes, but you should have some understanding of how to compare them before you decide which policy to purchase.
When you obtain health insurance quotes, you are receiving a quote for what your monthly premium will cost and what benefits you are receiving. Since most people have a good idea what they can afford each month, you may be limited in options, but you can bet that the health insurance quotes you are given will vary to a degree. To make the best decision, you don’t necessarily want to go with the least expensive monthly premium.
To start with, make sure you obtain at least three health insurance quotes from at least three different companies. When comparing the monthly premiums, be looking at the deductible. If you elect for a lower deductible, you will pay a higher premium. If you can afford to pay $1000 deductible each year, then you can save money on your premiums over a $500 deductible. However, you should also compare the maximum out of pocket spending limits as well.
Maximum out of pocket spending limits refer to the maximum amount of money you personally will be held accountable for. This factor will only come into play if you or a family member incurs a substantial amount of medical bills from an illness, injury or emergency situation. However, because these incidents are all unforeseen, it’s the main reason we all try to carry health insurance. If you receiving two comparable health insurance quotes, go with the one that has the lowest maximum out of pocket limit.
Other factors that should be considered when comparing two comparable health insurance quotes are benefit exclusions. Different policies exclude different procedures, which can greatly alter the coverage from policy to policy. If your situation warrants specific types of coverage, make sure it’s available. Odds are it might not be covered at 100%, but any amount of coverage is better than none. Also compare the provisions, such as mental health care, prescription coverage, diagnostic testing, and so forth. Determine for yourself which benefit coverage you can live without and which ones you cannot.
By comparing at least two to three different health insurance quotes from two or three different companies, you will find the best policy coverage for your money. Any questions your insurance agent can’t answer, they should be willing to find out for you. If you find your agent has not been helpful, look for a new one. If you are having difficulty finding reasonable health insurance quotes, you might need to look into state or federally funded programs.
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