Wednesday, February 25, 2009

How To Choose the Right Health Insurance

By Chaoran Hu

Health insurance is important in our life, most people choose to put it behind. However, better dealing with this issue will make your life easier. Here are some tips in choosing a health insurance.

Location: Insurance plans vary by states, and the prices will be different accordingly. Take New York for example, has some of the most expensive individual plans in the country, largely due to its guaranteed-issue policy that requires companies to insure everyone, regardless of health. If there are not too many differences between the health insurance in different places, it is wise to pick up the package that cost you less.

Don't be afraid to use a broker: An insurance broker can be a huge help. He can do the legwork to find a well-suited insurance company, help shop for the best rates, and explain the ins and outs of your plan. So, do not hesitate to find someone professional to help you out of picking the right and economic health insurance package.

Ask for a "free look" : A free book means that you can get your money back if you're unsatisfied within a set period of time. The key here, though, is staying on top of things and making sure you follow the guidelines. Restrictions vary by company and plan, but you could have anywhere from one to six weeks to ask for a refund — probably in writing. So ask for any free book that consist of various kinds of tips and suggestions, and getting yourself ready to know more about the policy just in case there is some emergencies.


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