Tips to Remember When Looking for Affordable Health Insurance Policies

Tips to Remember When Looking for Affordable Health Insurance Policies

The Affordable Care Act (ACA) mandates employers across the United States with 50 or more full-time employees to provide health insurance benefits. Although some disagree with “Obamacare”, no argument can change the fact that health insurance is one of the best benefits employers can provide.

Take note, however, that the health insurance your employer offers may not necessarily be the best deal for you. If you are paying for the insurance, you would do well to look for an affordable health insurance policy. Keep these pointers in mind.

Check if Your Doctor is Covered

Some health insurance policies are very strict in terms of which doctors you can see for certain medical conditions. Under this kind of coverage, you will have little choice but to go to a doctor on the provider’s pre-approved list. If your physician is not on the list and you do not want to make the switch, purchase a policy that covers your doctor’s services.

Always Tell the Truth

A handful of people give false information when applying for health insurance, while others deliberately omit one or more important details for fear that their rates might skyrocket.

Never lie. Insurance companies have underwriters who verify the details you provide. If any wrong piece of information is uncovered, you can lose your coverage and be blacklisted. Fortunately, the ACA has a provision that guarantees access to health insurance without asking for information on pre-existing conditions. This eliminates any reason to misrepresent facts.

Additionally, make sure you acquire coverage within the next open enrollment plan, that is, from November 15, 2014 to February 15, 2015. If you are unable to do so, and find the need for medical insurance due to an unexpected diagnosis or an accident, you can be denied coverage and have to pay for your medical expenses from your own pocket.

Work with a Respected Brokerage

A respected insurance resource agency like Good and Associates Insurance Services can help you navigate the insurance marketplace. Since it is not tied to any provider, such an agency can give you unbiased advice and direct you to an insurance policy that meets all your needs.

According to The Universal Declaration of Human Rights, everyone has the right to “a standard of living adequate for the health and well-being of himself and of his family…”. Safeguard your right to proper healthcare by choosing an appropriate health insurance policy.

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