1. Do compare health insurance rates. There is no one-size-fits-all health insurance plan to find a plan that fits your budget needs and health care.
2. Do not buy a policy with the highest deductible and the lowest premiums. The lowest monthly payments may be tempting, but if there is an illness or a serious injury - meeting a very big franchise can be difficult.
3. Do find a plan that has a deductible that you can meet and pair it with a health savings account (HSA). HSA you will save tax-free funds for spending on health care and can be used to pay the deductible.
4. Do not look for a health insurance plan that includes your favorite doctors and hospitals.
5. Do not buy a plan with a limited network of health care providers if you prefer flexibility, travel a lot or have children away at school.
6. Do consider quotas rates and coinsurance rates for doctor visits, surgeries and prescriptions. co-insurance rates can be expensive for the name of the brand or special conditions, and hospital services.
7. Look plans that include dental and vision care. Also couples or women planning to become pregnant should ensure that maternity benefits are covered.
8. Do compare health insurance companies before deciding on one plane. Some companies may offer a mobile application, the ability to make payments online, providing benefits for healthy behaviors or coverage for gym memberships.
9. Do not buy a plan without talking to an authorized agent. A licensed agent will help you make decisions or inform you of the benefits you might need.
10. Do not purchase health insurance policy at the last minute. If you need a policy in the future, give you a few months to be approved for coverage. Once you apply there is an underwriting process that can take some time depending on the health insurance company.
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