Pennsylvania Health Insurance, Life, Medical Supplemental., Long Term Care, and Disability:

 

TOP 10 THINGS TO KNOW BEFORE YOU BUY HEALTH INSURANCE OR OTHER INSURANCE COVERAGE

1

You are 4 times more likely to use a Short Term disability policy than a Long Term disability policy. Both are important to have.

2

Don't buy a health policy until you know at least the following: Are my current doctors available to me and covered? Are there any hospitals in my area that aren't covered? Are alternative medicines covered? Are oral contraceptives covered? Are they covered as a hormone therapy? Is visiting a chiropractor classified as seeing a physician? What is the maximum out of pocket expense? What is the policy maximum if applicable? Low co-pays are nice, but only in relation to total coverage?

3

More than half of all American citizens would collect on disability policies during their lifetimes if they chose to purchase protection.

4

There are very different definitions of "Totally Disabled". Make sure you purchase based on the policy and not just the policy price.

5

Is there a deductible to meet before getting the co-pay on my prescription plan. Is there a discount program available for using a mail order program for maintenance drugs?

6

Term insurance is a great money saver until you get to the magic 50years old when your rates go up dramatically! Look at convertible policies that allow you the advantage of term pricing while you are young with the opportunity to convert to Whole Life as you get older.

7

"Premiere Ratings" by life insurance companies can be very hard to qualify for. Make sure you get pricing on "Preferred Ratings" as well to avoid sticker shock.

8

Having an individual health policy issued may require your help in getting records from doctors and hospitals. As for authorization forms up front that you can sign, to speed up the process if necessary. Be prepared to do a little leg work if time is important. Getting records from a doctor or hospital can take a long time when solely using the mail. Offer to personally deliver an authorization for records to the doctor or hospital.

9

Age 45-52 is the time to start shopping for a Long Term Care policy. 55% of all of us will spend some time in a nursing home/rehabilitation center in our lives.

10

What questions do you have ?

developed and hosted by www.agentinternetmarketing.com a division of I.P. Communications Group
search engine optimization by www.seoexpertreview.com