Free Personal Finance & Budgetting Articles

Professional Authors - Professional Articles



Getting Health Insurance When You Need it Fast


There may be a number of reasons why someone might find themselves without any health insurance. One could be that where they work doesn't offer it or they have lost their job and they will soon no longer have the insurance. Although most jobs will allow you to keep your insurance you have through you job, it's only for a certain amount of time and generally it is extremely expensive. So you will need to be able to find some insurance as soon as you can so that you are not caught in a situation without it.

One of the quickest ways to check on health insurance and to get yourself some quotes and see if you can manage to include it in your financial management plans, is to go online to the different companies that offer policies. It's a good idea to find those sites that are going to allow you to compare a variety of different quotes from different kinds of policies so that you can see what might be the best value for your personal situation.

Once you have done this you will need to compare the different quotes that different companies have to offer. Sometimes it seems easier and is also very tempting to pick the first company that offers the cheapest monthly payments. However, it's not always a good idea for you to pick a company based solely on their price alone. You should also make sure to see how much the deductibles are and the amount of money out of pocket you will need to put out each year. Is the deductible too high and also you need to know if the policy has a coinsurance and a certain percentage you need to pay even after the deductible. Low monthly payments mean nothing if in the end you still can't afford to pay for your treatments when you are sick.

Make sure that you see what each policy covers. For instance you might be surprised what a policy does not cover if you are getting insurance just for yourself. One example is for a woman who may be single and may need maternity care but you might find on a single policy that there is no coverage for this. You need to be very careful when you read each policy.

After you have found the policy that you think suits your needs and one that you can afford you can then just fill out the application that most companies will offer online. Make sure that you have all of your medical records handy because you will need to fill in as much information as you can about your medical history in order to be considered for the insurance.

Once you have sent in the application they will generally want to have a follow up with you in person to make sure that they have all of the information about you correct. They may ask to see copies of your past medical records and if you don't have a copy don't be surprised to find yourself being asked a bunch of questions about every doctor visit, every hospital visit and every drug you have been on for the past five to ten years.

Once they have qualified you the best way to get your insurance started quickly is to either send in a payment with your credit card online or over the phone. Often times by doing it this way you will have your coverage within a week.



Comments
Home Insurance commented on 03-Aug-2016 04:55 AM
Wow

Awesome article. I'll be digging deeper into your other posts for the rest of my afternoon, lol.

Kim

Michaela Campagna commented on 06-Dec-2017 08:36 AM
Hello. Just wanted to share with you the best of Europes festivals over the past few months. We have visited most of these in the past and I can assure you that they are brilliant. Find time to enjoy life and attend some of these this year. Looking forward to some more interesting posts on the Marina de Bolnuevo blog (www.marinedebolnuevo.co.uk). Have a great day.


Post a Comment




Captcha Image






BLOG TAG CLOUD
balloons medicare make a will car payments secure finances home improvement loan best credit major debt home loan common estate planning power of attorney homemade food finance company spend less car need maternity care health insurance managing time loan possibility certain stocks pay bills repair credit enjoying leasing company new car smell personal finances decorations birthday party interest rate specials attorney handling problems afford a car own business miss payments W-4 forms family member getting a loan car lot stock market gross income bankruptcy financial agent wills lease takeover improvement loan medical history deductions qualified veteran sticker shock gross pay tight budget money conscious true market value party theme trade in value payroll software package grocery shopping finances saving money dealership periodic payments creditors financial crisis buying a home reality retirement years car sites retirement planning save money estate planning research test drives estate planning lawyer compare prices community property financial basis voluntary quiet time printer payment plan owe money debt management social security number right estate planning lawyer personal bankruptcy banners personal finance tips legal power finance tips financial power overspending rebates retirement fund avoid personal bankruptcy car insurance fast paced poor credit time management start investing credit debt management company half price actual loan shop online cash different models computer home equity loan financial issues income law firm insurance debts enough money payroll property value store ads secured loan personal finance structured settlement net pay car lease new car get help party supplies income tax payment range debt settlement property tax credit policies car finance personal finance resources dream top preparing dinner finance tips planning cash flow local dealer chapter 7 get rid of debt car loan mortgage payments veteran loan budget manager specials household tips quick sale credit score good credit employees salvage groceries car payment self help va loan possibility coupons reduce interest money issues lower tax invitations emergency spending unsecured loan sticker price bad credit assessor estimate present car financial affairs car dealer reduce tax getting health insurance stop procrastinating estate planning errors insurance company meat specials grocery list major financial issues stop paying discounted items



Copyright 2016 - Free Info Site Enterprises
Privacy Policy  |  Copyright Policy  |  Website Use Policy  |  Non Endorsement Policy  |  Contact Us  

Finance Blogs
Finance