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Why Should You Buy Health Insurance?

The cost of health care has risen drastically over the past few decades. If you do not have medical insurance to help pay bills, a serious injury or illness can be financially devastating to you and your family.  The most recent studies on bankruptcy show that approximately 50% of all personal bankruptcies are due to serious illness.  Even if you are ill for only three to six months the bills for  health care can total from $30,000 to $200,000 and much more in some cases. If you don’t have  health insurance coverage you can be exposed to high health care bills; or, if you have too little or the wrong kind of coverage, you won’t have enough protection. Add this to the bills you were unable to pay while unemployed and it is easy to see how bankruptcy occurs.

What To Look For When Buying Health Insurance

  • Make sure you are confident with the Health insurance agent and company. It is a good idea to contact the state insurance department and make sure the agent and the company you are dealing with are licensed.

  • Learn what kinds of Health Insurance policies will provide what you need and pick the one best for you. Don’t hesitate to shop around and ask a lot of questions.

  • Do not sign an application for Health Insurance until you review it carefully to be sure the answers are complete and accurate. Make sure that the word “insurance” is actually used and that there is no disclaimer stating that, “This product is not insurance, nor is it intended to replace insurance.”  There are hundreds of insurance scams occurring around the country offering coverage for $50 to $130 to cover the whole family. Don’t get caught in a scam. If its too good to be true, its too good to be true.

  • When you buy an Health Insurance policy, make the check payable to the company, not the agent. Always pay by check or money order, and write your policy number on the payment. Do not give the agent your bank account number for automatic withdrawals until you have verified  the agent and Health Insurance company background information.

  • Ask for a receipt for all Health Insurance payments. The receipt should include your policy number, the date of payment and the name of the Health Insurance Company.

Tips for Avoiding Fraudulent Health Insurance Plans

  • The best tool for avoiding fraud is your phone. Call your Health insurance department and find out whether the insurance agent and Health Insurance company are licensed in the state.

  • Fraudulent plans are most often sold through direct mail solicitations, fax, radio ads or over the Internet, so be especially wary when responding to these solicitations.

  • If an Health Insurance policy costs far less than what other companies are charging, this could be a warning sign. It’s a good thing to comparison shop, but if a policy is significantly cheaper, beware. If it sounds too good to be true, it probably is.

  • Beware of an Health Insurance agent or company that:

    • Refuses to provide proof of state licensure.

    • Insists on cash payments or automatic withdrawal.

    • States this is a “one-time deal” or your “last chance for special savings.”

    • Boasts that the coverage is available to anyone, regardless of history or risk.

    • Verbally states something is covered without showing you the details in a company publication.

    • Tells you no other company provides this coverage or that the only other company is much more expensive.

    • Tells you they can sell you any company but only has company publications for one company.

If you want to check the status of any company you can do so through the Indiana State Insurance office at http://www.ai.org/idoi/index.html or the National Association of Insurance Commissioners (NAIC) at http://www.naic.org

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If you would like more information on healthcare you can go to the U.S Agency for Healthcare Research and Quality at http://www.ahcpr.gov/consumer/



 

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 28004 Center Oaks Ct. Suite 205 · Wixom, MI 48167