Health Insurance - General Consumer Tips
The three top guidelines for looking for health insurance plans are, 1)shop around for quotes, 2)ask a lot of questions, and 3)compare benefit vs. price. When you decide to purchase an accident and health insurance policy, consumers have a minimum of 10 days from that date the forms are signed to read and review all the information. If the accident and health insurance plan does not offer the coverage you are looking for, families can return the policy to the company for a full refund within that time frame of 10 days. This only applies to individual policies, not group policies. Medicare supplement and long term care policies have 30 days to return the policy. Here are some additional free tips to consider;
Never deal with a salesman who is ‘just passing through’. Adequate service may not be available when you need it.
Always ask for the agent’s name, address and phone number of the health insurance company they represent.
Ask about his or her qualifications and experience.
Never allow yourself to be pressured into making a decision ‘on the spot’.
Make sure you know what health insurance services you already have covered. This way you avoid duplication of care.
If you want to replace your current accident and health insurance policy with a new one, understand the costs involved, the benefits and conditions of the new program, as well as any risks.
Answer all medical questions accurately and completely. Read and understand anything you sign. Quotes are based on the information provided at the time.
Do not cancel your existing health insurance until you are sure of the price and whether or not you are accepted by the new company.
Always pay with a check, never cash. The check provides proof of payment and allows you to stop payment if necessary.
Read and verify everything you sign. You will be held responsible for information with your signature.
If you are interested in reducing your premium, consider a higher deductible. First understand how the deductible is defined. Is it by illness, or per individual or family.
Be aware that warranties and service agreements not issued, may not provide the same protections available as those sold by insurers.
If you are unable to find accident and health insurance coverage for you and your family, health insurance is available during Blue Cross’s continuous open enrollment process. Children in the state of Pa. is also available through the Children’s Health Insurance Program, (CHIP). Call 1-800-986-KIDS for CHIP eligibility requirements.