Health Insurance Buying Tips for individuals and small business owners.

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Health Insurance Buying Tips:

Consider at least two different types of policies
Verify that the company you choose is based in California
Review the exclusions and limitations
Find out if the insurance company pays their bills on time. If not, the doctor considers you responsible for payment
Determine how you will be reimbursed for your doctors visits, hospitalizations, preventative care, prescriptions, tests, etc.
Pay your premiums annually
Avoid deductible plans since you pay for insurance you may not utilize right away
Consider policies that exclude pre-existing conditions since premiums will be lower and you're more likely to get coverage
Don't replace your health insurance with non comprehensive substitutes like cancer and critical illness insurance. These policies are good in addition to health insurance
Enroll in an individual plan. Group insurance often cost more because companies have to accept everyone