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 Posted: Mon Jan 26, 2009 9:02 am Post subject: No group health available to me.. |
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Hi, I'm not so lucky..I don't have any health insurance coverage through my employer..any individual policies that you guys would suggest?
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PopCornZiggybee
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| Posted: Mon Jan 26, 2009 12:14 pm Post subject: |
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Hi PopCornZiggybee,
Obtaining an individual policy through an agent could be a good option under circumstances that you don't possess any coverage through your employer.
Such a coverage may or may not be expensive than the one provided to you through an employer. Even if it is expensive remember that your health is your real wealth and spending for it is actually securing your own future.
Roddick |
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roddick
Senior member
Joined: 05 Oct 2005
Posts: 468
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| Posted: Tue Jan 27, 2009 9:19 am Post subject: |
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Hi..
| Quote: | | Such a coverage may or may not be expensive than the one provided to you through an employer. |
But we must admit that we all have several options to choose from when we're opting for an individual plan. In comparison, if we're opting for a group insurance plan provided by our employer, over there we do not have so much to choose from. It is a real good experience when we go out shopping for our individual health coverage.
Regards, fatman |
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fatman
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Joined: 04 Oct 2005
Posts: 567
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| Posted: Wed Jan 28, 2009 5:31 am Post subject: |
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First step - give your doctor's office a call. Ask them what plans they accept.
Even a great policy on paper is worthless if your doctor does not take it.
Second step - Find a local health insurance broker to help you. Every company out there has varying benefits, prices, and coverage areas depending on your zip code so it would be totally unfair to recommend
an one company or policy. A local broker should know these things like the back of their hand, be able to compare benefits, price, and coverage from several different companies so you find the best fit for what you are looking for.
Good Luck
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beatuplunchbox
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Location: NC
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| Posted: Wed Jan 28, 2009 1:04 pm Post subject: |
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| Quote: | | Hi, I'm not so lucky..I don't have any health insurance coverage through my employer..any individual policies that you guys would suggest? |
I have no idea of what part of the world you call home, but normally there are many different types of health insurance coverage like major medical, indemnity plans, or limited benefit plans (sometimes called mini-meds).
The best health insurance plan for you is the one you can afford. If you can't work the insurance premiun into your budget, you probably shouldn't buy that one.
Some people can't pay $300 a month for health insurance, buy maybe can pay $100-$150.
Find a health plan you can afford that will provide at least some insurance benefit in the event of a major illness. |
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InsuranceMaze
Community Consultant
Joined: 16 Oct 2007
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| Posted: Sat Jan 31, 2009 3:31 am Post subject: |
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| Start getting some quotes from your local agent. Make sure you get a health plan that will cover your health care needs and one that you can afford. |
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insurancebydave
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Joined: 08 Jan 2009
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Location: CA
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