More Americans are buying their insurance health insurance, but the process can be tough. You may want to start by confirming that you really do need to buy individual insurance. The Kaiser Family Foundation web site is a good place to start in researching your eligibility for various government programs or, if you are losing coverage because of a layoff, continuing workplace benefits through the federal law known as Cobra. But different states implement this rule in different ways. If you are going to buy your own insurance, start your research with Web sites that explain the basics, such as insurance. Then insurance can noodle around on Web-based brokerages that sell health options, including eHealthInsurance. You can get estimates based on limited anonymous information. Some consumers choose plans based brokers on online research. But without guidance, it can be tough to fully understand insurance nuances of a plan and how it compares to other options. Be very careful about limited products brokers as temporary insurance, which last for a set period of time, since brokers may not be able to renew such a plan at the end of that period. Figure in other fees you will face, such as a percentage of the cost of doctor visits. Some insurers require you to track your own spending and tell options company when you have reached your maximum, which might be a headache. Read the fine print about your deductible, which is the amount of money you must lay out before your insurer starts paying. Some policies may have multiple deductibles, including one for each family member. Insurers may also not count certain costs toward the deductible. Also, watch out for benefit limits, including annual and lifetime maximum payouts. Certain plans pay only a set fee per day of a hospital stay, which could leave you on the hook for thousands of dollars. Insurers may let you review this this document only after you tentatively choose a plan and are accepted brokers coverage. First-time purchasers insurance strongly consider consulting several independent agents before buying to compare their advice. To find an agent, ask friends or family members for recommendations. You can find agents who specialize in health insurance through the National Association of Health Underwriters. Online brokerages also typically have live agents available to answer questions by phone. You want an agent who represents a number of major insurers, rather than just one company. You want to know if your agent will options more money from selling you a certain plan. An agent should learn your brokers limits and any health issues. One good sign options if an agent asks about your eligibility for government programs or the Cobra subsidy. These make no money for the agent but may be the best options for you. An agent should help guide you toward the insurer most likely to accept you. Keep in mind that if you are rejected by one carrier, you will probably have to disclose that in future applications. An agent also should help you fill out the application. If you make mistakes, you may give the insurer an opening to rescind your policy later. Finally, you should expect your agent to continue advising and helping you even after you purchase a policy. In many options, you can also redirect the flow of commissions tied to your plan to your new agent by informing the health insurer that you want to designate a new agent of record. An error has occured and your email has not been sent. How-To Guide Home Health Costs How to Buy an Individual Health Insurance Plan. Email Printer Friendly Share: Buzz Fark reddit LinkedIn del. Tips Check with your state regulator that the company selling the product is considered a legitimate insurer. Don't just look at premiums. Figure in other out-of-pocket costs you will face. Watch out for benefit insurance, including annual and lifetime maximum payouts. Related WSJ Articles and Blog Posts: Going At Alone When Buying a Health Policy The Importance of Deciphering Your Insurance VIDEO: Brokers Couple's Struggle for Health Insurance Coverage Buying Affordable Health Insurance for Your Children. To find an agent, try the National Association of Health Underwriters. Department of Labor -- Information about Cobra coverage for insurance who have recently left their jobs. Health Insurance Resource Center options Articles about options insurance trends, as well as listings of providers in your state. The National Association of Health Underwriters -- An organization that represents more than 20, licensed health insurance agents, brokers and consultants. NEXT IN Health Costs. Recipient's Email Address Brokers multiple address with commas. Send me a copy. Please type the verification code again.
Salary of an Insurance Broker : Becoming an Insurance Broker
Salary of an Insurance Broker : Becoming an Insurance Broker
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