ArtsAutosBooksBusinessEducationEntertainmentFamilyFashionFoodGamesGenderHealthHolidaysHomeHubPagesPersonal FinancePetsPoliticsReligionSportsTechnologyTravel

Buying Individual Health Insurance

Updated on June 19, 2010

With all the interest in health care policies these days, it's not surprising that many people are realizing they really don't know as much about the subject as they should. If you are one of those who has a group health insurance plan, you may be happy with the coverage. If you will be buying individual health insurance in the future, it's important that you define what you need before you go out in the marketplace to find a policy.

Important questions should be asked and answered when you are looking for the right policy. Don't rush your choice. It's better to shop around to find the appropriate coverage at a price you can afford. There are plenty of places where you can look to find information about policies. A simple online search will turn up dozens of companies who are willing to sell you insurance. Many will have a referral to a local or regional agent who will meet with you to help define your needs.

Defining the needs you have will depend upon the obvious factors, such as your age, weight and gender. Then, you will need to think about some other factors. If you have a family doctor and want to keep the same doctor, you should probably look for a plan that lets you go to any doctor rather than a HMO that requires you to use the plan doctors. If you or a member of your family has a medical condition that requires visits to a specialist, make sure that your plan allows for coverage for this condition and specialist.

Medications and drugs are something to consider when reviewing policies. Most people have medications prescribed for medical conditions. These drugs can be more expensive than the office visit unless your plan covers medications. You should also determine if you are likely to need x-ray coverage in your policy.

Some plans allow you to be covered when you are treated by chiropractors, acupuncturists and psychotherapists. If this is important to you, make certain the policy covers such specialties. The emergency room treatment coverage varies in plans. Some plans will cover you for injuries sustained in an accident, but not for illness.

The price of the policy will be affected by the amount of deductible that you are willing or able to pay. Those who are young and single may want to purchase a policy that covers catastrophic events such as major hospital stays. An HMO plan might be a better choice if you want to be protected against the financial cost of doctor visits.

An insurer takes all your personal and medical history into consideration when setting a price on an individual policy. With a group policy, the insurer must cover everyone in the group, but with individual coverage, this isn't the case. Some states require that you be issued a policy regardless, but your premium price will reflect the higher risk that the insurer is carrying if you have poor health or other factors.

When buying individual health insurance, you should take all these factors into consideration. Your personal health and your financial picture can affect the policy that you choose. Check online for the widest variety of options to choose from.

Comments

    0 of 8192 characters used
    Post Comment

    • lanealanea profile image

      lanealanea 

      7 years ago from Orange County, California

      Thanks for the information Nestor, Voted up.

    working

    This website uses cookies

    As a user in the EEA, your approval is needed on a few things. To provide a better website experience, hubpages.com uses cookies (and other similar technologies) and may collect, process, and share personal data. Please choose which areas of our service you consent to our doing so.

    For more information on managing or withdrawing consents and how we handle data, visit our Privacy Policy at: https://hubpages.com/privacy-policy#gdpr

    Show Details
    Necessary
    HubPages Device IDThis is used to identify particular browsers or devices when the access the service, and is used for security reasons.
    LoginThis is necessary to sign in to the HubPages Service.
    Google RecaptchaThis is used to prevent bots and spam. (Privacy Policy)
    AkismetThis is used to detect comment spam. (Privacy Policy)
    HubPages Google AnalyticsThis is used to provide data on traffic to our website, all personally identifyable data is anonymized. (Privacy Policy)
    HubPages Traffic PixelThis is used to collect data on traffic to articles and other pages on our site. Unless you are signed in to a HubPages account, all personally identifiable information is anonymized.
    Amazon Web ServicesThis is a cloud services platform that we used to host our service. (Privacy Policy)
    CloudflareThis is a cloud CDN service that we use to efficiently deliver files required for our service to operate such as javascript, cascading style sheets, images, and videos. (Privacy Policy)
    Google Hosted LibrariesJavascript software libraries such as jQuery are loaded at endpoints on the googleapis.com or gstatic.com domains, for performance and efficiency reasons. (Privacy Policy)
    Features
    Google Custom SearchThis is feature allows you to search the site. (Privacy Policy)
    Google MapsSome articles have Google Maps embedded in them. (Privacy Policy)
    Google ChartsThis is used to display charts and graphs on articles and the author center. (Privacy Policy)
    Google AdSense Host APIThis service allows you to sign up for or associate a Google AdSense account with HubPages, so that you can earn money from ads on your articles. No data is shared unless you engage with this feature. (Privacy Policy)
    Google YouTubeSome articles have YouTube videos embedded in them. (Privacy Policy)
    VimeoSome articles have Vimeo videos embedded in them. (Privacy Policy)
    PaypalThis is used for a registered author who enrolls in the HubPages Earnings program and requests to be paid via PayPal. No data is shared with Paypal unless you engage with this feature. (Privacy Policy)
    Facebook LoginYou can use this to streamline signing up for, or signing in to your Hubpages account. No data is shared with Facebook unless you engage with this feature. (Privacy Policy)
    MavenThis supports the Maven widget and search functionality. (Privacy Policy)
    Marketing
    Google AdSenseThis is an ad network. (Privacy Policy)
    Google DoubleClickGoogle provides ad serving technology and runs an ad network. (Privacy Policy)
    Index ExchangeThis is an ad network. (Privacy Policy)
    SovrnThis is an ad network. (Privacy Policy)
    Facebook AdsThis is an ad network. (Privacy Policy)
    Amazon Unified Ad MarketplaceThis is an ad network. (Privacy Policy)
    AppNexusThis is an ad network. (Privacy Policy)
    OpenxThis is an ad network. (Privacy Policy)
    Rubicon ProjectThis is an ad network. (Privacy Policy)
    TripleLiftThis is an ad network. (Privacy Policy)
    Say MediaWe partner with Say Media to deliver ad campaigns on our sites. (Privacy Policy)
    Remarketing PixelsWe may use remarketing pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to advertise the HubPages Service to people that have visited our sites.
    Conversion Tracking PixelsWe may use conversion tracking pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to identify when an advertisement has successfully resulted in the desired action, such as signing up for the HubPages Service or publishing an article on the HubPages Service.
    Statistics
    Author Google AnalyticsThis is used to provide traffic data and reports to the authors of articles on the HubPages Service. (Privacy Policy)
    ComscoreComScore is a media measurement and analytics company providing marketing data and analytics to enterprises, media and advertising agencies, and publishers. Non-consent will result in ComScore only processing obfuscated personal data. (Privacy Policy)
    Amazon Tracking PixelSome articles display amazon products as part of the Amazon Affiliate program, this pixel provides traffic statistics for those products (Privacy Policy)