health costs considerations
Premiums
health insurance companies
charge are in direct
relationship to the amount of
out of pocket cost the insured
is going to assume.
Compare your current and past
health condition verses what the
deductibles, co-payments, and
co-insurance is for the policy
you are considering. It is
important that the health
insurance policy you are
considering offers
"comprehensive" protection.
your current and past health history will dictate the premium
All health insurance
companies consider your current
health condition, medical
history, age, gender, residence
and occupation before they
decide whether to offer you a
policy. If you have
or had a serious health
condition an insurer can reject
you based on pre-existing
conditions. If you suffer from
less severe conditions, an
insurer may offer you a policy
with a temporary or permanent
exclusion rider, which means,
your specific condition won't be
covered. Some insurers may cover
the condition at an increased
price which can be as much as
67% higher than the normal cost.
each state has different rules
Note that where you live
matters when you're shopping for
individual health insurance
because each state has different
rules. Buying coverage in the
individual market is easier in
some states such as Maine,
Massachusetts, New Jersey, New
York and Vermont, because of
protections offered those state
resident laws allow them a right
to buy health insurance,
regardless of their health
condition.
guaranteed renewable policy provisions are important
"Guaranteed renewable" means that you have the right to renew the policy annually. "non-guaranteed renewable may end at the end of the policy year or be canceled if you get sick.
Consult a qualified expert before making any decisions about the purchase of health insurance.
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