Medical Insurance Buyers Guide and Checklist « Health Insurance Advisory

Medical Insurance Buyer’s Guide & Checklist

To help you select the best individual medical insurance plan for your budget and coverage needs, we recommend the following:

1. Do your homework before you shop

Searching for an individual medical insurance plan does not have to be time consuming and frustrating.  Our tools allow you to compare the rates and benefit levels of individual medical insurance plans from leading health insurers in your area and enroll online.

Having a sense of what benefits are important to you (deductible, maximum out-of-pocket, prescription drug benefit, etc.) and knowing beforehand what preferred provider networks your healthcare provider is a member of will make the process easier and faster. Once you have narrowed your focus, we simplify the process by presenting the individual medical insurance plans that meet your criteria.

Since comprehensive individual medical insurance is medically underwritten (except for dependents less than 19 years of age), it helps to have an idea if you qualify before applying. Use our exclusive Risk Profile Tool™ to learn how your health status may impact your ability to obtain individual medical insurance.

2. Compare rates and coverage levels from several medical insurance companies

Rates for individual medical insurance plans can vary. Make sure you are getting the best value by reviewing multiple alternatives. We bring you the largest selection of individual medical insurance plans at the best available prices from leading health insurers so you do not have to run all over town searching for the best deal. Since insurance rates are regulated, you can be assured that you will pay the same price and get the same coverage as buying direct.

3. Know what you are buying

Do not base your decision on rates alone. Make sure you evaluate coverage levels. Saving a few dollars per month is insignificant if you are stuck with several thousand dollars in unexpected out-of-pocket costs because you did not fully understand the coverage provided by the individual medical insurance plan.  Understand what the medical insurance plan will pay and what is your financial responsibility (copays, deductibles, out-of-pocket, etc.). Spending a few extra minutes comparing medical plans will help ensure that you are adequately protected.

Use our free worksheet to ensure you are making a fair and accurate comparison of individual medical insurance plans.

Click to download a free copy of our Health Insurance Checklist

worksheet Medical Insurance Buyers Guide and Checklist

Using this form will help you understand the differences in medical insurance plans, including your total financial responsibility.  If you ever need assistance, we are here to help. Please contact us.

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