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Health Insurance Online

Written by Kathleen Gagne
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If you and your family are not covered by health insurance due to the loss of a job, you know how expensive medical care really is. You also know how expensive it is to continue the group plan you had at work. Without coverage, however, it's as if you're walking through quicksand hoping not to get sucked in. One illness could wipe out any savings you may have, and, even worse, you or members of your family may elect not to get the medical care you need because you can't afford it.

Clearly, you need to find a comprehensive health insurance plan to protect your family. The good news is that the lifeline you need is now available at a reasonable cost. Where can you find it? The answer is simple, and you've come to the right place. Finding health insurance online is a fairly simple process once you know what to look for and once you determine how much you can afford.

Finding Good Health Insurance Online

Insurance carriers offering individual or family health insurance online must be licensed to do business in each state they serve. They will usually ask you to select your state from a drop down list because rates often vary from state to state. Once you have named your state, you will be asked to enter personal information.

The next step is for you to view the plans they offer and to obtain the company's rates. Remember that the cost of online health insurance, just like any other type of insurance, is comprised of more than the just the monthly payments you make. When considering any plan, you will need to think about the deductible and other up-front costs you may incur. For example; are there co-pays, and do they cover the entire cost of emergency room visits? You will also want to address other important issues such as whether you will be able to use your own doctors, whether you will have to fill out forms for reimbursement, and how quickly your up-front expenses will be returned.


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