Health Insurance Salesman can sometimes make it seem like swimming with the sharks is a picnic! You get bombarded with messages on the tv and internet telling you that their particular insurance company is in fact the secret to all your health insurance prayers. In this article I help you to swim through those shark infested waters and reach the other side with your health and wallet intact ;)
Once you have done that, then pick up the phone and start calling around to the various companies that you have listed. Once you are through to these experts (at least on their own products) then start asking questions. This is now entering the 'understanding' phase. You cannot realistically buy anything until you understand what you are buying. And this is as true with health and medical insurance as with anything else. So, take the opportunity when you phone up to ask about terms and conditions, monthly payments, how it would work if you actually became ill, what all the different terminology means, what is covered and what isn't covered, and also what differentiates their company from the dozens of other companies who are also offering health insurance. Ask the companies representatives flat out. 'Why should I sign up with you rather then.....? (Fill in the blank from your research). And assess their reply. Once you have done that, then you are now in a good position. You have found out the different companies that sell health insurance in your location. You have phoned up the companies to research their offerings. So you know what works, and what doesn't work for you. Lastly, you now just need to buy it! This is where the internet again comes into its own. You can visit any of dozens of websites that will compare rates amongst the different companies. You now know what they are offering, so simply pick the one that offers the best combination of features to price. Swimming with the health insurance sharks can be a tricky business, but if you approach it logically as I have outlined, then you will have a much better chance of arriving safely on the beach with your health intact ;)
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