Monday, December 21, 2009

Take Some Time to Study Your Options

Take Some Time to Study Your OptionsDoes most people are in the health plan that best fits their needs? Probably not. There are some tools available at some health insurance related websites, but they still leave gaps. So, what questions do you need to ask to choose the best health plan for you and your family?

Today there are more health plans to choose from than ever before. The value of health plans differs widely. Research shows that Americans say that quality is the most significant thing they think about while selecting a health plan. But only few people understand their options well enough to make an informed choice.

You should remember that your health plan affects many things that includes: Who will care for you and how much choice you will have; What kind of care you will receive; Where you will receive your care; When you will receive your care; The quality of care you receive; How much you will pay. Ask yourself: Does the plan provide the benefits I need? Which health care services are most important to my family and me? Do the plans I am comparing provide these services?

The two major types of health plans are "fee-for-service" and "managed care." Managed care plans can go by many names: Health Maintenance Organization (HMO); Preferred Provider Organization (PPO); Individual Practice Association (IPA); Point of Service (POS) plan, etc… Choosing the type of health plan is only the first step in narrowing down your choices.

Do not be confused by whether the plan is a "fee-for-service" plan, or whether the plan is one of the many kinds of managed care plans. What you need to understand is not the plan's label, but the features of the plan. It is important to realize your options and how they affect your choice of providers and services, costs, and quality of care.

Monday, November 2, 2009

How to Puzzle Out Health Insurance Plans

How to Puzzle Out Health Insurance PlansA health insurance policy is a contract between an insurance company and an individual or his sponsor (e.g. an employer). The contract can be renewable annually or monthly. The type and amount of health care costs usually depend on the particular insurance plan and as a rule are covered by the health insurer. A health plan can also refer to a subscription-based medical care arrangement offered through the insurance organization.

As far as it concerned health insurance plans, it's not always easy to have it your way. You should go through details first:

• Many plans give you benefit options - so you can choose what best meets your needs.
• Try to know as much as possible about the plan coverage.
• Get first-hand knowledge about quality of health insurance and competitive pricing.

There are different health insurance plans. The widely used are pre-paid dental, pre-paid legal, and pre-paid vision plans. Pre-paid health plans typically conjecture to pay for a fixed number of services (may include preventive care, a concise number of hospitalizing days, a fixed number of home physician visits, a fixed number of spinal manipulation charges, and so on). The services offered are usually based on the list of the particular medical establishment who is contracted with this insurance company to provide the certain health insurance plan.

Prescription drug plans are deemed a form of insurance offered by the insurance companies as and the prescription drug insurance part of the health insurance plan or may cover all of the insurance plan balance for drugs expenses.

Scheduled health insurance plans watch out for day-to-day health care such as going to the doctor or getting a prescription drug. These plans are also called mini-med plans or association plans. These plans may guarantee benefits for hospitalization and surgical service. But keep in mind these benefits are limited. Scheduled plans, for example, do not come over catastrophic events. The important advantage of over is that the price of these plans is much less than comprehensive health insurance.

The basic concept of insurance is based on population solidarity. Insurance systems typically deal with two questions: adverse selection and ex-post moral hazard. So, appreciate but be attentive and judicious. Weigh up the options, take time to think over, consult experienced person and your heath insurance plan will give you its best.

Friday, October 2, 2009

Comparing Health Care Plans

Comparing Health Care PlansWhen it comes time to compare health insurance plans to make a decision which one fits your needs and budget, compare for PCQ. (Price you pay, Coverage you receive and Quality you expect). Having to choose between numerous health care plans can be a hard work. Firstly, try to ask your boss about the health insurance plans in your office. Your company usually presents the easiest and effortless options. Take these plans into consideration, as you can save more and get an extra comprehensive coverage.

Find a health insurance agent and gather information about the accessible health insurance plans. Agents can be very helpful because they often represent more than one insurer. Also, since they don't work directly for one insurer, they do not always know the latest policies or changes in plans. In addition, since their earnings are based on how many insurance plans they sell, they may not be as objective as you would like them to be.

Besides your ability to find the money for health insurance, whether or not you can even get insurance will depend on your health insurance history. If you can prove you have been insured over the past year or more, but need to make a change due to some situation (like getting laid off), it will be easier to get insurance than it will be if you have not had any health insurance for awhile.

As for pregnancy or travel... Not all insurers offer pregnancy and birth coverage. Not all insurers expand their coverage area outside the country, although most will cover you while you travel within the United States. True elective surgery is rarely covered, although which surgeries are considered elective vary from insurer to insurer.

Some health care plans require you to use their doctors. If you currently have a physician that you would like to keep seeing, then check first to see if your doctor is included in the health care plan you are considering. Location and availability are also important aspects to consider when choosing a doctor. Not only check where the doctor is located but you will also want to find out the hours of the facility and make sure that the doctor is available all of those hours as some doctors work in several facilities.

If you like getting regular physicals and health screenings you will want to ensure they are covered. Most managed care plans cover these types of screenings yearly, but some independent insurance plans do not cover them at all. Also, if you have children find out if well-baby check-ups and immunizations are covered.

Not every health plan covers the cost of prescriptions. If you use prescription drugs on a regular basis or think you may need to in the future, you will want to consider a plan that has good prescription drug coverage. If you are very healthy and don’t take prescription drugs often, then this will be less important to you.

Consider what bonus services are covered when comparing health plans. Some examples of extra services that may be important to you include: Drug and Alcohol Rehabilitation, Mental Health Care, Counseling, Home Health Care, Nursing Home Care, Hospice, Experimental Treatments, Alternative Treatments, Chiropractic Care.

Most insurers will charge you for monthly premiums, or they may charge you quarterly or bi-monthly. Some may charge an enrollment fee to be put into a group of others like you who want individual insurance. Still others will tack on a monthly billing fee if you don’t pay for it all at one time. You will find premiums for a single person, for a couple or for a family (three people or more.) These premiums will be what your insurance costs before you or your family member ever gets ill or needs to get the services. It is money you will shell out even if you are completely healthy all year.

There are some newer health insurance plans that seem like a great deal because their premiums are so low, and their deductibles are manageable. What they do not want you to figure out is that they limit the amount they will pay if you get sick or hurt. Somewhere in the fine print, you will find a statement of annual cap or a lifetime cap. The lower those caps, the lower your premium.

A health insurance policy that costs you $10,000 over the course of the year in premiums, deductibles and co-pays, but limits your annual reimbursements to $20,000 is rip-off. You need to look for annual caps of $1 million or more, and lifetime caps of several million. If you have difficulty telling what those caps are, call the plan’s 800 number and ask. Missing this question has cost others their entire life savings, so pay close attention.

Sunday, September 20, 2009

Travel Health Insurance is a Must Have. Part 2.

Travel Health InsuranceAll insurance companies would offer you a variety of travel health insurance plans:

Package Plans:
Package travel insurance plans usually include most exhaustive coverage and travel assistance services. Package plans typically include coverage for necessary trip cancellation and interruption, medical care expense and transportation.

Active Travellers:
There are also some insurance plans for active travelers, focused on some special needs, these are plans where much attention is given to exceptional circumstances and special equipment you may need while traveling like golf clubs, fishing gear, or hunting equipment.

Medical Plans:
All things considered with some other medical plans. These are travel insurance plans for customers who are looking for medical coverage specifically. These plans are made for people who presuppose the necessity of the medical insurance while they will be traveling. Such plans typically do not include trip cancellation coverage but always cover emergency medical transportation and medical expenses. These plans are appropriate for: pregnant women; patients with chronic diseases; seriously ill travelers.

Specialized:
Prefer specialized travel insurance plans if you’re looking for coverage for a particular travel investment. You’ll find plans with coverage for your air ticket investment, rental car coverage and so on. If you need something special, discuss it with a member of company, it is as likely you'll find the necessary variant by all means.

Monday, September 7, 2009

Travel Health Insurance is a Must Have. Part 1.

Travel Health Insurance is a Must HaveAre you making a list and always make sure your trip will be nothing but nice? Have you ever thought about travel health insurance? Have you already found your favorite insurance company?

Many people today, even those who don’t like insurance itself come to conclusion that they need travel health insurance, because their regular medical insurance may not cover them outside their home country. Don't let the problem happen to you or anyone you care about.

No matter you are an international student studying abroad, a family on vacation or on holiday or an employee or a businessman traveling abroad for work, pleasure, education, or other reason, don't let your trip be confounded by an accident or a necessity of medical care. Your health and safety should always be at the top of your list when you are making a plan of the trip.

Travel health insurance is necessary to protect your health while traveling abroad. All insurance plans are very different and fluctuate from 5 days to one year or more and usually cover not only illness, but also accidents and medical care.

Tuesday, August 11, 2009

Health Insurance Companies: Who's Who

Health Insurance Companies: Who's WhoHealth insurance is a form of risk management, that is essentially used to oppose vigorously against the health risk of any trauma, disease or other health problem. Health insurance can be defined as a guaranteed small loss to prevent a large, possibly of disease or the necessity of medical treatment. An insurer is, as a rule, a company marketing the insurance, contrariwise an insured is the policyholder person who buys the insurance. So, the health insurance companies render health insurance services to their policyholders.

Health insurance began in the 1930s with so called Blue Cross. This system was successfully offering pre-paid hospitalization. With its success, physicians formed Blue Shield. The prosperity of this health care system, as well as high costs of health services, brings about the need to develop health insurance. That is why a bit later commercial insurance companies started to offer group insurance.

Health insurance companies are familiarly classified as either mutual or stock companies. Mutual companies are usually appertaining by the policyholders. On the other hand the stockholders (notwithstanding if they have policies) own stock insurance companies.

There are also some other forms for an insurance companies include reciprocals, when policyholders pay back in sharing risks of the organizations.

Health insurance companies are standardized by various agencies. The ratings include the company's creditworthiness, which measures its ability to pay claims. It also determines financial instruments issued by the insurance company, such as promissory notes, certificates, and enforcement proceeding.

Now, let’s refer to different types of health insurance companies.

In Major Medical Insurance, the insured is responsible for paying a subscription before insurance provide benefits. In this system, the health insurance companies usually pay 80% of the medical bills and the policyholder the residuary 20%. The insured has a right to prefer any doctor or hospital. When we speak about "traditional health insurance", the Major Medical Health Insurance is exactly meant.

Health Maintenance Organization (HMO), is a type of insurance plan, that is realizeŠ² by the particular health insurance companies. HMO keeps its mind on the long-term insurance. HMOs are called the "managed health care".

There is also a Preferred Provider Organization (PPO). It is to a large extent similar to an HMO, with a singular distinction that an insured is not limited to network physicians and can prefer any doctor they choose.

Monday, July 13, 2009

More about Dental Insurance Plans

Dental Insurance PlansDental insurance is a free service that allows you to choose the dental health insurance as an independent one from leading insurance. You may choose from a wide variety of plans and services that cover all dental needs you may suggest. There can be done all necessary kinds of insurance from simple checkups to root canals treatment and tooth stopping. Some dental insurance companies usually may offer you a database of dentists that will give you the freedom to choose the dentist by either location or specialty.

As usually dental insurance plans purchase you two types of affordable dental insurance: quality family and individual dental insurance. Don’t be in advance, make sure the plan you are offered with, gives you a guarantee that the individual or group dental insurance plan you purchase today will satisfy your dental needs.

If you are already looking through most common types of dental insurance plans, keep in mind, all dental insurance plans have benefits and disadvantages.

There are also quite popular discount plans, these non-insurance programs offer subscribers admittance to dental care at a discounted rate from concerned dental providers. These dental programs offer their members discounts on some dental services, such as fillings, braces, exams and routine cleanings in exchange for a fee. Members typically get a discount about 30%-35% off consumer prices.

There is no doubt it is important and not easy to pick your convenient dental insurance plan. Look through some pivotal question to fact-find before purchasing any type of dental coverage:

• Make sure the company is licensed to offer this plan;
• Ascertain where is the company located and where is its registered office;
• Ask for comprehensive information about the plan, the providers and other details before you sign up with the plan;
• Look through a web site with all information about the company;
• Ask for a list of the providers on the plan;
• Ask for a contemplation time to consider all the pros and cons;
• Ask if the plan endorsed by or affiliated with any national organization.

Finally, you should know that discount plans are not usually regulated by state insurance departments. So you may act on your own account. So, you should take precautions when buying one.

Remember! If you are not sure whether the plan is qualitative insurance, you should ask whether a plan is offered by the licensed organization and verify this information about the insurance company.

Tuesday, June 23, 2009

Health Insurance for Children: Basic Issues

Health Insurance for ChildrenAs your children are growing up, you think about their health support in increasing frequency. Don’t you? You would like to make sure they stay healthy and you will keep quiet about their health to turn on their education and upbringing.

If your kids do not have health insurance for children, it is time to think about it. All present-day world, doesn’t go without health insurance for children.

Unfortunately, high health care costs do not permit some children to receive the appropriate health services. However, this is not common situation. In most countries for uninsured children 18 years old and younger is provided free or low-cost health insurance that pays for: dental care; physician examination; prescription medicines; necessary hospitalizations and some other services, depending on the country.

Today many people feel that providing health insurance for children is a moral issue. Children are born in different families with different, even sometimes limited financial resources. Do you agree, all children deserve to have access to the same health care? Nowadays a lot of different organizations, aligned with different children’s problems are at work upon the question to provide health insurance for all children.

Not surprisingly, those uninsured children are more likely have to go without an essential medical, dental or other health care. Studies show that lack of health insurance for children causes poorer health in childhood, and increases the probability of growing up adults with different long-term illnesses. The research workers confirm that unhealthy childhood brings about as much as 24 % of the long-term affection.

New research shows that universal health insurance for children would bring more economic benefit than cost. So free health insurance for children is a forward-looking policy .The result of providing health insurance to children and access to health care would also provide more happier and more hard-working adults. Researchers at the Baker Institute (USA) confirm that children who receive health care coverage become more productive adults.

Well, being from either direction a parent or a member of children’s health insurance organization or a research worker, you should be conscious of the need of health insurance for children. What is meant here is as you own child health so a public health.

Wednesday, June 10, 2009

Online Health Insurance Tips

The internet market is deluged with online health insurance companies who offer various projects and plans. Usually it is difficult to choose what plan to prefer from all available. The best way to find the best online health insurance is looking through the websites of the most familiar insurance providers to go behind what they can propose, and ask for quotes.

Researching health care insurance quotes and offered prices online essentially economizes your time and permits to understand the policy more easily. You will also have time to weigh up all pro and contra, without an outside pressure of the working with clients manager. You can also obtain open-minded information of different derivations about the physicians, other specialists, clinics and hospitals, contracted with this insurance company.

It is accepted, that most online health insurance companies follow a policy of quotes on their websites. As usual you can easily use online tools to gather up the appropriate variant according to your finances. The above said is usually faithful as for individual insurance so for group health plans. By the way, the health care institution’s representatives, physicians and other medical men can use these websites to find prospective clients.

What is more these online health insurance resources can help you to find information about hospital rates and physician fees, cost of surgery or any medical procedures, check any relevant information to define more exactly the flexible spending account or personal benefit account.

Making use of all online advantages and conveniences, you’d better make sure that you won’t receive disappointment. Don’t forget that some online health insurance companies are bare of credit and are in bad odour. There are swindlers and men of no scruples everywhere in our life we all are involved, whether we like it or not. It is pertinent as to online so to customary insurance companies. Pick out only long-standing trustworthy companies, which have recommendations, positive responses and references.

There is also a risk that certain insurance providers will not perform all necessary insurance. For example if you fall ill, maimed, or undergo another medical catastrophe this particular case may not to be down into the list of insurable cases. So, the derivation is: you should be very careful and mindful. Keep in mind, that is not all insurance businesses is a defraudation, but you should see about your interests, as in any other business.

Monday, May 18, 2009

The Affordable Health Insurance

As it is testified by the large variety of different health care systems across the world, there are several different methods that a country could take about health insurance. The affordable health insurance is one on the aims of any state medicine. In Germany, for example, citizens are obliged to join health insurance funds but they can contract out for a variety of reasons. The United States government accommodates affordable health care to just over 25% of its citizens through some agencies, but in other respects the free market provides the balance of health care services. So all health insurance systems around the world have their own merits and demerits.

France. The markworthy element of the French insurance system is unification: as more ill a person becomes, as less he pays. The insurance system recompenses 100 % of expenses, for people with serious or chronic illnesses.
United Kingdom. The UK model of health insurance is based on publicly funded healthcare system that accommodates coverage to all residents in the UK. Private health care is used by less than 8% of the population.

Canada. Under auspices of Canada Health Act, health insurance in Canada offers the citizens an opportunity to have free access to basic health services. The affordable health insurance there is in account with Medicare Company. Private health insurance is allowed, but it is only relate to services that the public health plans do not cover, such as private rooms in hospitals and prescription meds plans. Some experts are of opinion that Canada has the most convenient and affordable health insurance system.

Australia. The public health system is called Medicare. It is perceived to have free universal access to hospital treatment and sponsored out-of-hospital medical treatment. It is funded by a 1.5% imposition of a tax. The private health system is represented by a number of private health insurance companies. The largest one is government-owned Medibank Private.

United States. Statistically about 84% of Americans have health insurance; 60% obtain it through an employer, while about 9% purchase it single-handed. Government agencies provide coverage to about 27% of Americans. The U.S. is the only wealthy, industrialized nation that does not have a universal centralized health care system.

Russia. The post-Soviet Union, Russia carried out a health care reform. It also has a governmental-owned health insurance and some private companies.

Monday, April 13, 2009

Individual Health Insurance

Individual health insurance is a type of health insurance that is made for individuals, rather than to employer groups or organizations. This type implicates both individual and family health insurance. Statistically given the option, most people choose to have their employer accommodate group health insurance coverage. But, if it is important for you to seek coverage now, you may be pleasurably surprised with the large group of diversified and comprehensible individual health insurance and family health insurance.

Individual and family health insurance plans usually include both: "indemnity" and "managed-care" plans. As a rule, indemnity plans offer a numerous selection of healthcare providers than managed care plans. Indemnity plans recompense the covered services’ costs only after they receive a particular bill.

There are several different types of managed-care health insurance plans. They include HMO (The Health Maintenance Organization), PPO (Preferred Provider Organization USA), and POS (Point of Service Plan) plans. Managed-care plans essentially make use of health service networks. These health services agree to perform care for managed-care plan patients. The main advantages of this type are releasing from paperwork and give-away expenses.

HMO covers only attendance proposed by those doctors, other specialists, clinics and hospitals who have agreed to treat patients in accordance with the HMO's guidelines and restrictions. So with this type of insurance, you are not allowed to choose a specialist beyond the pale of a list you are proposed to.

If you make use of PPO plan, you'll be proposed to use some particular doctors and hospitals services. These hospitals and specialists have been contracted to provide services to the health insurance plan of this individual health insurance program at a discounted rate. You also can choose doctors and specialists within the bounds of the network at your own discretion.

If you choose EPO you shouldn’t seek care from a non-preferred hospitals and specialists. There is a direction measuring out preferred and non-preferred specialists. So, for this reason EPO is less popular than PPO.

Well, if you do not want to join in with a universal group health insurance system, try to come to a decision about the best way of individual health insurance program. Seek for lower medical costs and less limited choice. Sometimes individual health insurance does not differ from other managed care plans.

Thursday, April 9, 2009

Health Care Insurance

Health insurance is a form of insurance that pays for medical expenses. It is sometimes include insurance covering disability or long-term nursing or custodial care needs. It may be divisible into a government-sponsored national insurance program, and private insurance companies.

Medical insurance was first offered in the United States by the Franklin Health Assurance Company of Massachusetts. It was an accidental insurance. The first insurance group was established in 1911. During the 20th century, the health care insurance developed into modern health insurance programs. Today, most private health insurance programs recompense the medical attendance and also most prescription drugs.

A health care insurance policy is a contract awarded between an insurance company and an individual or his sponsor (an employer, as usual). The contract can be renewable annually or monthly. The contract makes provision for amount of health care costs that will be due by the health care insurance company. The individual insurance may take several forms:

Premium: The sponsor or the employer pays to the health plan each month.
Deductible: Anticipates the provisional payment per annum from the sponsor or the employer.

Copayment: Must be recompensed each time a particular service is obtained.

Coinsurance: Anticipates fixed amount that insured person should pay.

Exclusions: The insured person is generally suggested to pay a part or the full cost of medical care.

Coverage limits: The insured person is generally suggested to pay any expenses overrun the health plan's maximum settlement.

Out-of-pocket maximums: Is akin to Coverage limits, with the difference that if the insured person's payment obligation ends when they attain their maximum, and the health company pays all other costs. Can be refered to a specific benefit category (such as prescription drugs).

Prior Authorization: The insurer is pledged to pay for the service that was authorized.

Prescription drug plans is also a part of insurance offered as some benefit plans in some countries.

It's well known that employees attach importance to individual health care insurance benefits. Analyses have shown that workers appreciate health insurance just a shade less than salaries and emoluments. So if an employer can offer a satisfactory health insurance plan to his employees, he gets the best labor power.

Sunday, April 5, 2009

Health Insurance General Questions

The main conception of health insurance is solidarity. The main aim is to prevent staying single-handed in the face of adversity or in the teeth of death. However, the population is still divisible into insured and uninsured groups; most of people prefer to have a guarantee of medical treatment in the event of disease. It is strange and yet true that some people who consider themselves to be healthy may refuse medical insurance as an superfluous expense. There are some insurance national systems they usually include government-owned and private health insurance systems. People resort to health insurance to avoid dealing with large medical bills.

Health insurance companies comply with some rules for the contract execution. Before buying health insurance, a person as a general rule should sketch his medical history. The particular questions are whether the person smokes, how much the person weighs, whether the person has been treated for any of a long list of diseases and so on. The amount of compensation depend on particular conditions of the national health care insurance politics and the company rules. For example, in France it is possible to get a 100% compensation for people with serious or chronic illnesses.

So to get medical health insurance you need to choose an insurance plan. It usually does 2 things: it gives you entrance to health care and it makes sure that health care is affordable.

Before you buy a plan, make sure you are buying an inexpensive plan but acquire a good service. Sometimes inexpensive health insurance plans, offer the insignificant coverage. You'll have to balance your budget with the coverage you need. Some people meet with the problem that certain very affordable health insurance plans won't pay for basic care, only if you need major medical coverage for emergencies. Others will only pay for standard medical care and prescription medications. The point is that you should choose the plan that will cover your health needs.

In every plan description you'll find two sections: the Outline of Coverage and the Exclusions and Limitations. In the Outline of Coverage it is exactly specified what your plan will pay for. Scrutinize all the information of these points and you’ll apprehend if this plan is suitable for you or you will have to pay in addition for some health care services.

Some people prefer to work with a professional agent makes so much sense. Agents can also help you see if an affordable health insurance plan is really affordable.

Friday, April 3, 2009

Online Health Insurance Benefits

You know that Internet is the supreme research tool ever invented and one of the best methods to buy a variety of products. So why would a purchase that requires a little investigation not send people to the Web in droves? If you’re one of the thousands of health insurance shoppers, you should know that shopping online for health insurance is not only easy, it’s real easy. Moreover, to prove it, here are complete step-by-step instructions for online health insurance shopping.

Review Your Needs

Before you grab the mouse, think about your family a moment. What do they need? Are you using medical care regularly? Do you expect the need for maternity care or preventive checkups for children? How often have you and your family visited the doctor in the last year? Do any of you require prescription drugs or have any chronic health diseases? Do you want health insurance that will waive any or most of these expenses, or are you to cover you mostly in the case of an emergency or accident? Getting answers before you start will save you time.

Get Online Health Insurance

You can come to Internet, take a quick tutorial on the differences between plans, and get you free quotes from health insurance providers assortment in a matter of seconds. You can also go to your preferred online search engine and enter keywords like "online health insurance". Check out the top five or ten listings. You will find an extensive list of health insurance companies, licensed agents and insurance referral companies to choose from. You should know the important differences between these types of businesses before you buy a health insurance plan.

Know Who You're Doing Business With

Whether purchasing an online health insurance plan through a licensed agent or directly through the health insurance company, you will want to know who this company is. By selecting a licensed agent, you will save time and trouble by being able to compare health insurance plans online from a variety of insurance companies. These agents are also able to work with the insurance company on your behalf to help resolve your billing or coverage concerns. Licensed health insurance agents are overseen by both the health insurance companies they represent and by your state's Department of Insurance. Any reputable agent should provide their state license number on their website.

An insurance referral website is different from a licensed agent. Referral services will ask for your personal information including, name, address, phone number and medical history. Typically, they do not supply you with an instant quote, but pass your information on to a licensed health insurance agent in your area, which will then contact you with a quote.

What to Compare and What Not To Compare

Compare the coverage levels and benefits presented by various health insurance companies and health insurance plans in your area, but do not waste your time comparing rates for the same plan from multiple sources. Your final rate is based on your personal information and medical history, and since health insurance rates are filed with and regulated by your state's Department of Insurance, your rate will be the same, regardless of whether you purchase your plan through an insurance company or through an agent. Insurance companies cannot undercut the rates offered by agents. Just look at four of five plans that fit your price range and evaluate the benefits to find out best plan for you.

Use an Online Health Insurance Application

It is easy to buy a health insurance plan online though a licensed agent with a secure website and online applications. An online application can make the process simpler and speed up a decision on your application. A licensed online agent can forward your application to the insurance company by e-mail so you do not have to wait for an application to be processed through the mail.

Though it is not quite as simple as buying a book, buying a health insurance plan online is not as problematical as you might suppose. By following the simple steps above and working with a reliable insurance company or licensed online health insurance agent, you can save yourself a lot of time and hassle and make the most of your health insurance dollars.