Know What Health Insurance You Actually Have

There are so many people who do not take the time to read their health insurance plans that it’s positively scary. Many people just assume they have the right kind of coverage whenever they need it, when in reality they don’t – but they don’t find out until later – when they need it.

Always read the fine print on your health insurance policy. While it might sound like the most boring thing in the world to do, it may save you some real problems later when you really need health insurance coverage. Knowing now what you are covered for will prepare you for later and for the fact that you may need to be paying some money out-of-pocket.

Here is what to do when looking for Illinois health insurance. Write down as many questions as you can, all pertaining to what you want and need for health insurance. Now make that phone call to an Illinois health insurance agent and get him or her to answer your questions. That’s what the agents are there for, to answer any questions you have and to advise you on what is likely the best type of health insurance for you or for your family.

Make sure you ask about two things. First about what kind of coverage you do have, and second about what kind of coverage you do NOT have. While this might sound a bit counter productive, it makes sense when you think about it. Each supplement or plan covers some things and not others. If you’re aware of what isn’t covered, then you have other options to fill the gap.

You need to know how to get started, and then what is in the plan you are considering. This is where those questions you wrote down come in handy. If you know your health insurance goals and are focused on them at all times, the health insurance agent will have a better idea of what you need. This means you will get a package tailored specifically to you and not someone else.

While you might not think you need to read the fine print on your health insurance contract, be aware that many large health insurance companies are hoping that you don’t read it. This would mean they’d have to pay out less money on you later if you don’t know what you signed. So keep your wits about you.

If you are getting cheap coverage, ask why it is so cheap; you might find out it’s missing something you need. It’s better to know this right up front and not later. Be a savvy health insurance shopper and not only ask questions, but also don’t take the first plan that sounds like it might be OK.

Randy Gillespie is with Illinois health insurance agency, Focus Insurance Group. To learn more about Illinois health insurance, Illinois health insurance quotes, Illinois group health insurance or to get an Illinois health insurance quotes, visit

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