Take the case of Lorandy and Billy who were enjoying spending a holiday at a park. They were out for a hike when she slipped on wet rocks. As she was falling, Billy reached out to grab her and fell on top of her, breaking her right forearm. Did they have health insurance? No, and when they got home and saw the amount of the bill from the local hospital that set her arm, they had no idea how they were going to pay it. They did not realize a broken arm could run about $20,000 for treatment.
They did not have health insurance, because they thought they were in good health. They were until she fell. So, the money they thought they had been saving for a rainy day just vanished to pay for medical treatment. But the thing is, they only had about $9,000 saved. How would they pay for the rest of the bill? If they had health insurance, this would not be such a big issue. Insurance would pick up a large part of the expenses, and they would not be left wondering if they could even put food on the table.
Life is never predictable and just when you think it is, something unexpected happens. Do you want to get caught off guard like this couple – needing medical care and not having health insurance? Probably not, so it is a wise move to get serious about affordable health insurance. Note that affordable health insurance does not mean cheap, hardly-there coverage. It means a policy that suits your circumstances that you can afford.
Where do you start to look for health insurance quotes? Online. Remember one thing though, health insurance quotes are just that – a quote. If you want to know more, or find out if the quote you got will suit you, then you need to call or meet the health insurance agent. They have all the rest of the information you need; the stuff you cannot get online. Most of the material on an insurance website has jargon on it, and you need an insurance agent to translate that for you.
Surf websites that you like and find attractive, the ones with lots of helpful tips about affordable health insurance plans. Read some articles, check out the FAQ section, ask for a quote, read the blog and see if there are customer testimonials on the site. It is a good place to start your search for affordable health insurance. Make notes, have a list of what you really need in a health insurance plan, and stick to it.
Next? Up next is the business of getting those quotes. Just a word of caution here, do not buy health insurance based solely on the premium price. The lowest priced health insurance plan may not be the right one for you or your family, and this is why you will want to ask the insurance agent questions. You would not buy a car without test driving it, so why would you buy health insurance just based on price alone? You want to know what is in the policy, what it covers, and what it does not cover.
Clelland Green is with Benepath.com, a leader in providing health insurance quotes. Benepath provides individuals, families, and businesses with affordable health insurance quotes in just a few mouse clicks. To learn more, visit http://www.benepath.com.