Buying Health Insurance

The Reader’s Question

Where can I look for an individual health insurance policy? And what things should I look for in a health insurance policy?

Karen Garcia

Thank you for this question.

If you don’t have a health insurance while you are employed, you may have a hard time in buying health insurance as an individual. Individual insurance coverage is more difficult to acquire as it is more expensive and not that consumer friendly than an insurance coverage which is job-based. But it is much better than not having insurance at all.

One procedure in getting started in searching for an individual policy is first look for an independent insurance agent. These agents should register with your state department of insurance so that they will have a record of people eligible to sell health insurance in your state. There is also a website, the National Association of Health Underwriters, which will help you find an independent agent in your state. Another good option is to find health insurance coverage online. The website, eHealthinsurance.com permits you to compare different policies from different insurance companies which will be very helpful indeed for you.

There are some things that are important to note in buying a health insurance policy. Most insurance companies allow you to examine your policy documents carefully within ten days to be able to help you decide if you want this coverage or not. If ever you decide you do not like the policy terms within ten days, you have the option to cancel the insurance coverage and be able to get the premium that you paid.

You may also like to check out the coverage of these clearly defined terms which is:
” What is covered
” What is not covered
” When the coverage begins

The coverage level that is available under each individual policy of health insurance differs and you have many more options available since your employer is not preselecting the guaranteed types of plans that is available for you to choose from. It is vital that you comprehend all the policy terms of your coverage. If still unclear, you may like to ask your insurance agent or the insurance company to clarify things a bit. You need not wait until you are sick or bedridden before you will be able to learn that your insurance policy does not cover the services that you think is essential in your coverage.

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