How To Get The Best Health Insurance Rates

2007-03-08 10:33:40

( Health )



When you are buying any type of insurance, being it life, disability or health, your insurance company will surely do some preliminary background checks on you. Depending on the type of policy you intend to get, the background checks can include your habits, medical records and family history. You health is one of the biggest factors that can affect your health insurance rate.

To get the best health insurance rates possible make sure you tell your insurance agent everything. If you deliberately hide something from your agent and the insurance company finds out, it will automatically assume the worst. It may even cancel your life insurance coverage a couple of years after you purchase your medical health insurance. Give a complete and accurate history of your health. One way of doing this is to be upfront about your ailments but also enumerate the steps you have undergone to make them better.

Health insurance rates are based on your health ranking. You should know what the health ranking is based on. Familiarize yourself with the company’s ranking method and ask why they are ranking that way. By knowing what you are up against, you can possibly get a higher ranking or even a lower premium.

Always shop around for the best health insurance rates. But do this quietly and do it with an agent that you trust. Different companies can give you different rankings because they rate your health differently. Some companies immediately give you a lower ranking for being an occasional smoker, some do not. Another way to do this is to inform several agents that you really are shopping around. This way, they would offer your competitive rates.

Last, make sure the insurance carrier gets your complete and accurate health records. Make sure they have a complete list of the doctors and the clinics you have been to. This way, they get the complete and updated picture of your health.


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