Most family will spend on average of $4,500 to $7,000 every year to service health insurance plan they don't like. The best buy health insurance shouldn't lead you to financial collapse but should help you stabilize by giving you less to think about in order to face other challenges of life.
The ruse begins at the recruitment, training and brainwashing of health insurance sales person. They are trained to focus on benefit, profit, and protection-Profit and protection for the health insurance company's investment to the (peril of-) benefit of the insured.
When recruiting fresh and reasonably priced sale agents, the main premise of the health insurance company's party line is the amount of money sale people can earn by selling "cash value benefit" instead of selling health insurance cover. The health insurance company base their awards, trips, fellowships and bonuses on the amount of commission they earn which is a reflection of the amount they rake in for the organization. This reward system tends to encourage and motivate tens of thousand of health insurance agents to hard sell prospects into actions that benefit the agents which eventually lead families to buy health insurance plans that they don't require.
Having the above in mind it becomes a matter of common sense for you to take proactive steps to ensure you're safe while signing a health insurance form. The following steps could help:
1. Assess your family health needs: Ask yourself how often you see the doctor, are there terminal sicknesses that might require emergency health care and how much do you regularly spend on prescription drugs. These and many other questions will give you an idea whether you need a co payment(you-employer) or a comprehensive health insurance plan or any other plan.
2. What is your income. Is your income and savings adequate to cater for you medical expenses and still have some left for future investment, which may inform your choice for a plan with small or larger premium rate.
3. Are there any special health needs or paramount areas that requires specific intevention
4. Contact local health insurance agents for additional information on how to get a best-(maybe cheap ) buy health insurance policy. Agents and organizations are listed on telephone directory.
5. It is worth knowing that the difference in cost of health insurance may indicate difference in benefits, so it is important that you check with many insurance companies
Don't buy health insurance because everyone is buying a particular plan but because you understand the worth of the product
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