Individual Health Insurance Quotes – Tools To Save On Costs

2007-03-08 10:33:40

( Health )



Health insurance will pay all or a portion of your necessary medical care expenses. When you buy health insurance, you are not buying a luxury item but a necessity. You need individual medical coverage whether you are employed or self-employed.

Most individuals obtain health insurance through employment or small groups. If you are without group coverage, you can seek individual medical insurance from commercial insurers or health maintenance organizations.

Unlike group health insurance, you must pay the full cost of your individual health insurance premiums. Price variations in the individual medical insurance industry are wide, and individual health insurance quotes on similar packages will differ by as much as fifty percent for you as you go from one insurer to another.

You need to shop around and get as many individual health insurance quotes so you can economize on your health insurance money. But before you ask for individual health insurance quotes, you have to evaluate your health insurance needs and options.

Group policies have lower premiums than individual health insurance. However, it does not mean that you cannot find reasonable individual medical coverage. You need to understand the factors stated in your individual health insurance quotes to keep the costs down.

You will have to complete a comprehensive questionnaire on your health history and to authorize the release of your previous medical records. The insurer may ask you to undergo physical examinations or laboratory tests.

Personal and family medical histories are the most important factors in determining your insurability. Smoking habits, age, and occupation are some underwriting factors that also affect the premiums of your health insurance.

If you find individual health insurance quotes offering low-cost premiums, do not be tempted to purchase it right away. Check if it excludes pre-exiting conditions. Many health experts would tell you to avoid a health insurance policy with any pre-existing conditions.


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