Thursday, October 15, 2009

Have Yourself Insured

By Ka Lee Angel Lee

One of the biggest decisions to make in a family is choosing the right health insurance plan under the constraints of cost and need. Therefore, to make things simple, we have to first recognize what kind of protection we are looking for and whether or not our favorite plans are within our budget.
To estimate our needs ranged from our medical history to occupations of our family members. For example, if u go to the dentists very often, u would need a dental plan. If a family member does a relatively risky job like at mining sites, he would need catastrophic insurance plans. After sorting out our needs, we can then more effectively eliminate the inappropriate insurance plans and end up with choices that can cater our demand. Then our will have to find the balance between budget and need. This includes consideration of time and your goals. Some plans may be cheap but only god for the short run while others may be expensive but helps you to reach your goals in the long run. This all depends on what you are willing to forgo to get what you want and when you want it.

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