Millions of people go without insurance, either because they can’t afford it or they don’t think they can.
As someone who avoided health insurance as long as possible, I've been forced to reach into my pocket and pull out a policy that makes sense for my family. But it wasn't easy.
Shopping for health insurance means countless hours lost to phone calls, online shopping and comparing all those numbers and policy details. And as a busy mompreneur, I wasn't looking forward to that!
Comparison site shopping made all the difference. By visiting one site instead of 10 (Prudential, Blue Cross Blue Shield, Anthem, Humana, and more), I could spend more time with my kids rather than focusing all my attention on insurance shopping.
HealthCompare is a health insurance comparison site that lets visitors save time by viewing different coverage options in one location. It took about three minutes to enter the family's information, which was a huge time-saver. In addition it prevented those annoying follow-up calls and offered over 150 policies for me to compare.
Policies are selected based on the information you enter, then the details are listed side-by-side to compare options.
We eventually went with a policy that was a little more expensive than some others because it didn't make sense for us to take on a policy that would cost us more later (when paying for services not included in some policies). So we pay a bit more each month to get coverage that will include dental and vision.
How to choose the right policy:
- Draw up a budget. If you know what you can afford, you won't skimp on the details that could cost more later. For example, some policies don't cover preventative care like mammograms. I would rather pay for insurance to cover it than pay an out-of-pocket for this service.
- Know the kind of policy that's right for you. HMO, PPO, POS (oh my!): They are all different, and they all have advantages and disadvantages. Take a few minutes to know the difference before you start shopping.
- Shop around. Visit a comparison site, like HealthCompare to save time and make it easier to review policies.
This is a guest post by Tania from Toledo, OH
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