Health Insurance

• Do I need medical insurance?
• What type of medical insurance should I own?
• How do I compare the stability of insurance companies?
• How do I determine which plan is right for me?

What type of medical insurance should I own?
That depends on your philosopy toward medical insurance, where you live and your overall health. Check with your physician's office to see if they are contracted with the insurance carrier you are considering.

How do I compare the stability of insurance companies?
How do I compare the stability of insurance companies? You should consider only hightly rated insurance companies evaluated by rating services such as AM Best. Better financial stability is often measured by an "A" rating or better rating such as an "A+".

How do I determine which plan is right for me?
Generally you should compare the following: Provider Network, Deductibles, Co-Insurance, Co-Pays, Out of Pocket and Lifetime Maximums. Always read and understand the exclusions in the policy you are considering.