Any suggestions on individual health insurance?
Written By: admin on September 10, 2009
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I just recently became self employed. Can anyone suggest any excellent individual health plans that they might have some experience with??
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You’ll want to visit a local independent agent. Plans and companies vary by state and the agent knows what is available in your area. They work with all the major companies and are able to compare all the plans available. The plans and premiums are the same whether you go through the agent or buy directly from the company.
Do not try to do this over the internet. It’ll take you several days to intelligently compare all the plans available. Also, if you have any pre-existing conditions that might add a rider to the policy or cause you to be declined or if you are out of the height and weight guidelines you won’t know until you’ve applied and gone through the underwriting process.
You may get answers here concerning medical discount plans. Be very wary of these plans. They are not regulated by the Department of Insurance nor do the people that sell them need to be licensed. This means you have small recourse when you have problems with the plot. If you are tempted by the low price and claims of “save up to 80%” be aware that very few doctors really take these cards. It does you small excellent if you have to drive 4 hours to find a doctor that will accept the card. Montana couldn’t find any doctors in the whole state that really took the card and only one dentist who was on probation for unlawful activities so they banned the sale of the card and fined the company. See this link http://www.insurancejournal.com/news/west/2006/11/22/74554.htm for more information. Many other states are starting to ban these cards as well.
Before signing up with any discount plot get a list of doctors. If they won’t give you a list consider it to be a scam. Call the doctors on the list to make sure they’re still taking the card (many don’t even know that they’re listed as a provider) and that they’re accepting new patients.