Looking for individual health insurance for the first time ever? I probably know exactly how you feel. This can all be pretty overwhelming at first, just as it was for me when I first had to begin looking for a policy for myself.
Some people choose to go with COBRA as a short-term fix, but the benefits here are only temporary. After' months of COBRA, you'll be forced to find your own policy anyway. In addition to that, the prices of these policies will usually be twice as high as your group coverage at work was, since you'll now be responsible for the full cost.
Based on the expensive price of COBRA, I had no choice but to find some individual coverage for myself. Not knowing where else to look, I contacted a local insurance agency and hoped to find something to my liking. Unfortunately, their offerings were a letdown to say the least.
I decided to bring my search to the web, since you can buy just about anything online. At this point, I was beginning to feel better about things since there was a lot more available.
I ended up finding something within a few weeks, but nearly made some costly mistakes. I don't want to see you making the same ones that I did, so here's some advice that I'd definitely follow if I were you.
Most carriers in the world of individual coverage won't give you any benefits for conditions that you already have. There are some, however, that are willing to cover some costs associated with the conditions, but you'll need to make sure that this is the case with whomever you're looking at.
Secondly, you'll want to make sure that your preferred doctors are on the network, or else you might have to come out of pocket for visits to them.
The final thing that I noticed about many policies is the fact that they'll only cover you in state. If you happen to travel often, you'll definitely want to avoid these policies. - 30540
Some people choose to go with COBRA as a short-term fix, but the benefits here are only temporary. After' months of COBRA, you'll be forced to find your own policy anyway. In addition to that, the prices of these policies will usually be twice as high as your group coverage at work was, since you'll now be responsible for the full cost.
Based on the expensive price of COBRA, I had no choice but to find some individual coverage for myself. Not knowing where else to look, I contacted a local insurance agency and hoped to find something to my liking. Unfortunately, their offerings were a letdown to say the least.
I decided to bring my search to the web, since you can buy just about anything online. At this point, I was beginning to feel better about things since there was a lot more available.
I ended up finding something within a few weeks, but nearly made some costly mistakes. I don't want to see you making the same ones that I did, so here's some advice that I'd definitely follow if I were you.
Most carriers in the world of individual coverage won't give you any benefits for conditions that you already have. There are some, however, that are willing to cover some costs associated with the conditions, but you'll need to make sure that this is the case with whomever you're looking at.
Secondly, you'll want to make sure that your preferred doctors are on the network, or else you might have to come out of pocket for visits to them.
The final thing that I noticed about many policies is the fact that they'll only cover you in state. If you happen to travel often, you'll definitely want to avoid these policies. - 30540
About the Author:
The author of this article also addresses concerns of a Magniwork scam at http://magniworkscam.com.
