If you are like many people, you have either gone into business for yourself or are employed by a small business. While working at a small business is a very gratifying feeling, there is likely one area where you are frustrated, in the category of health insurance.
Unfortunately, getting health insurance may seem like an impossible puzzle for you. When it comes to covering corporations, insurance companies are forced to take in all employees. When it comes to individual health insurance, there are a lot of hoops to jump through to get covered.
Additionally, unless you are running an insurance company, you are now lacking a Human Resources officer to explain just what those policies mean. So, here’s a brief look at what you should know before purchasing health insurance.
As you do your research into the insurance options available on the market, make doubly sure the offers you are looking at are the real thing. There are plenty of scammers out there who understand how hard it is to get insured. They prey on this by offering fake insurance coverage in the hopes of getting you to give them your hard-earned money. But, when it comes time to file a claim, they will be long gone, with your premiums. You should look up the history of any company you are considering working with (and NOT on their website) and check with the Better Business Bureau to see if there have been any complaints filed against the company.
Know What You Need
Make a list of the priorities that you need in medical coverage. It’s smart to write this list down, so you always have it nearby as you are comparing policies. You should also note which items are more important and which ones you are willing to sacrifice for a better premium price.
Is Your Doctor Covered?
Health insurance companies all work with different medical groups or doctors. If staying with your current doctor is important to you, make sure to check that the health insurance companies you are considering cover your doctor. You may even want to ask your doctor which insurance plans they work with and are the most willing to work with customers.
What Will the Premium Be?
While we all want the best insurance money can buy, it is also important to remember how much money we can pay. Make sure to find out what the premium will be on any policy you are considering so you know you can afford it.