Purchasing an individual health care insurance plan can be scary for anyone who has always been insured by their company’s group insurance plan. I’ve specialized in helping my clients select good quality medical protection for well over ten years now and have been an insurance broker for over 20 years. I’ve outlined the steps we use to help our clients find the right coverage for their needs.

The 3 areas we look at are affordability, quality of coverage and the strength of the insurance carrier.

Company- Your health insurance company should be stable and have a history for paying claims.

Quality of coverage - The health coverage must meet your needs. It should cover doctors, hospitals, labs plus drugs. It should also have physicians and hospitals in their networks that are convenient to your home.

Affordability- Your health plan must be priced fairly relative to the benefits provided.

The basic process we use is to:

Determine which individual or family medical companies are worthy of being considered.

Determine which choices offered by those health care insurance companies offer adequate coverages

Determine which plans have the lowest overall cost relative to the health insurance coverage provided

Health Insurance Companies

An individual medical company should have good financial ratings and be in good standing with your state’s insurance department. You may also want to do a Yahoo! search for complaints.

You might for example search for “Mega Health complaints” before buying a policy from the company. Each healthcare company has some unhappy customers just by virtue of the volume of clients they have. However, a red flag should go up in your mind if the complaints are too numerous.

Another issue to look at is how much they pay in benefits as a percentage of the premium they take in. A good health insurance carrier will write checks for about 80% of the money they take in to cover their policyholders’ doctors and hospital bills.

Coverage - What does your health insurance plan cover?

There are 2 aspects of coverage. One is the treatments that are covered. The other is the network’s list of medical professionals that the insurance policy includes.

Covered Health Care Procedures

You should read through your insurance plan’s outline of coverage or official brochure to see how doctors, hospitals and prescriptions are covered. Your health care policy should cover you for physicians and hospitals and the hospital and should have a good lifetime maximum benefit. I suggest at least 5 million dollars of coverage.

Insurance Exclusions and Limitations in Healthcare Plans

Most if not all health insurance policies will have a list of treatments and services that are not covered. Most of the excluded or limited items in this section are reasonable and are included in the plans of most carriers also. Insurance Plans usually won’t pay for plastic surgery for example. There are are often limitations that you will discover in one insurance policy but not in another plan. Maternity insurance is one example of this. Most insurance plans will not cover the costs of a normal pregnancy. The ones that do tend to be more expensive when compared to otherwise similar plans that don’t cover maternity. The exclusions and limitations section of your policy or its brochure should be read carefully before you commit to purchasing any health care insurance plan.

Health Care Insurance Network List of Physicians and Hospitals

Knowing which physicians and hospitals are in your medical insurance policy’s network is an issue to address. You might be able to find a list of doctor’s who accept a given insurance plan online or by calling your health care insurance agent.

Affordability - Locating the best affordable health care plan

It is easy to compare personal health insurance costs, but its harder to make sure that you are getting good value for your dollars.

Selecting Between Healthcare Insurance Plans

After you have ruled out the companies with poor coverage and/or networks, it is time to look at price as a factor.

The Best Healthcare Insurance Coverage for the Money

The best medical insurance coverage, may not be the best plan for you. Often the best policy is overpriced and does not offer an extra dollar in medical benefits for each extra dollar it costs. Make sure that any plan you buy is:

Provided by a good medical insurance carrier

Will cover your health care needs well

Fits your budget

Alston Balkcom is a veteran insurance professional and has been serving in this capacity since 1985.

You can find personal medical insurance quotes on his site.

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 Today there are not many people in power who would be disturbed not only about their own interest but the welfare of the countrymen and for the goodness of the territory. Fortunately, such people are still there. One of such active communities leader for many years is
Dmitry Baranovsky, who currently holds the post of First Vice-President of the All-Russia public organization of veterans of boevoe bratstvo. The organization supports the privileges of war veterans, denotes their interests in numerous instances, leads international activities. Nonetheless, the protection of the rights of veterans is not only sphere of Dmitry Baranovsky activity. Since 2008, Dmytry Baranovsky manages as deputy chairman of the interregional public organization “Spravedlivost”. The said NGO Justice shall support the protection of civil rights - not in vain because the members of this organization were the honorary title defender. The Constitution enshrined many basic human and civil rights: right to work, the right to education, the right to life, right to social security, so on. All these rights are called absolute rights of man and citizen, because they belong to any of us from birth and nobody has no right in any way reduce or infringe these rights. Civil rights enforcement is an essential part of building civil society, democratic state, which we are now trying to create in Russia. Why is this so valuable now takes the protection of the rights of inhabitants? Yes, because the civil rights of people nowadays are widely violated, often such violations are taking place by the authorities. Agree that in such a condition, the ordinary man is very difficult to protect themselves and their loved ones. How can you resist those on which side the power and authority? For one person - is elusive. Still, it is in order and there are different human rights organizations to work together to assist all those who are in need of such help. “Spravedlivost” is ready to lend a helping hand to everyone!

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