The first thing you should do when preparing to shop for Individuals plans is to check your fiancée’s and your recent health. The level of coverage and the insurance rates that several insurance companies will offer will depend on your health condition. Health will also factor in your insurance rates. If you are choosing between an HMO's or a PPO's Individuals plans, then you should think about whether keeping your current doctors now is important to both of you. HMOs require you to choose a primary care physician who will give you referrals first before you can see specialists outside of the network or undergo special treatments. PPOs allow you more freedom on which doctors to see, but you will have to watch out for the co-payment amounts. You should also think about the level of coverage that you want with your health plans. Do you need little things like colds and flu covered? It's also important at this stage that you decide how high the deductibles and the premiums you and your fiancée can pay. Usually, health insurance policies that have higher deductibles have lower premiums. You can get quotes for different insurance plans from several insurance companies to check your options. Most Individuals plans have pre-eisting conditions eclusions. If you or your fiancée have pre-eisting health issues, then the insurers might offer you insurance but with eclusions. You can also try to join a Small Business if your employers offer health benefits. The premiums will be lower and pre-eisting conditions eclusions will not apply. - June 26, 2009 @ 2:11 pm
Answered: May 01, 2010
