When I think of health insurance, my mind conjures up so many types of policies that I have to take a little time to consider my options. For instance, there is coverage sold specifically for the individual and there are plans that sell Group Health Insurance . Each plan has different criteria to consider so take time to make a list of important points for the type of insurance you are seeking. Once you have the list, compile a list of phone numbers or websites and start calling or making online comparisons to see who offers the coverage you need. Then you want to get a Health Insurance Quote from each company on your list.

Some important points to keep in mind will help you sort through the many types of insurance with their equally diverse plans and premiums.  Be sure to give special consideration to Life Insurance and the qualifications needed for each type.

• Think about the restrictions put on people with pre-existing illness or disabilities and find out how you can get the maximum coverage if this applies to you or a family member.
• Consider the limitations an insurance policy may place on high risk people who smoke or are diagnosed with cancer or people who work at high risk jobs such as fishermen. 
• Will other insurance plans pay a certain amount before the new policy picks up coverage? Find out if there is any deductible.
• Ask if the monthly premium payments will remain the same regardless how many times a claim is filed. 

These are some important points to remember. I'm sure you can think of at least a dozen more that you could list before you talk to an insurance agent.  As I said, insurance plans are as diverse as the people who buy it.

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The Midnight Writer