EALTH INSURANCE
is a necessity from protecting yourself and your family from illness
and disaster. But not all health insurance plans are created equal.
Health
insurance quotes are important to shop around for because the
deductible and premium you are expected to pay will vary greatly.
Additionally, some insurance companies have better reputations
than others for efficiently and correctly processing claims.
We cannot emphasize enough the importance
of shopping around for your health insurance quotes because
of the difference in costs and coverage you will encounter.
There are three general types of insurance you will encounter:
Fee-For-Service (typical health insurance)
Health Maintenance Organizations (HMOs)
Preferred Provider Organizations (PPOs)
Keep in mind as well when comparing your
health
insurance quotes that some plans give you wider choice of
doctors and hospitals that will cover you. This can be an important
consideration if you would like to avoid lengthy travel to see
a doctor that is covered by your health insurance.
Common Questions:
1 How
do I get individual health insurance quotes?
Apply here for individual
insurance quotes. If your employer provides inadequate
insurance or you are self employed you should seek individual
insurance in the form of an HMP, PPO or fee-for-service.
After receiving your quote, speak with your agent and
read the policy carefully. Most companies give you up
to 10 days to cancel the policy if you find something
in the small print you disagree with
2
If I lose my job can I stay on the same policy?
A federal law called COBRA
established in 1985 makes it possible for you to stay
on the same policy for up to 18 months provided that your
business has more than 20 employees. 18 months is typically
enough time to find a new job that will cover you under
their policy.
3 What
is a customary fee?
If you have an operation
and your doctor charges you more than your insurance company
expects the operation to cost in your area, you may be
expected to pay the difference. To avoid extra fees like
this make sure your doctor will accept your insurance
as full payment for your operation or treatment.
Home
Equity Loans Taking out home equity loans
now at these low interest rates can save you thousands over
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Refinancing If you haven't recently refinanced or your
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Mortgage refinancing
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