You can change your current policy or buy individual health insurance in advance of the open enrollment period for new medical plans. New open enrollment periods are usually from November to December each year for many states. States that have their own exchanges generally offer more extensive open enrollment periods.
In some cases, individuals can buy individual health insurance policies before the open enrollment date. If you are self-employed and have no employer-sponsored group health plan, you may be able to get individual medical insurance coverage in the employer-sponsored group plan. In most cases, however, it is more expensive to buy individual medical insurance outside the employer-sponsored group plan. It is also not a good idea to buy individual health policies from a broker who has an interest in selling you a group health insurance plan.
During open enrollment, health insurance companies will be contacting you by telephone. They will ask you questions about your current medical history and will give you an application to fill out. You will need to answer health-related questions, and provide personal information like your name, address, and date of birth. Some questions that will be asked are what your annual income is, how long you’ve been employed, your health status, and whether or not you smoke.
In many cases, when you apply for medical information, you will be asked to provide information about any prescription drugs you currently take. This information is not required to receive individual medical insurance, but may be required by some providers. This may require you to supply a doctor’s prescription for you to be covered by their group plan.
If you are in a position to get a health insurance quote today, there are a number of free online sites where you can request your quotes. A number of sites will allow you to fill out a form on the site and have the quote delivered to you. Others will take you to an insurer who will be in touch with you over the phone.
Once you receive your health insurance quotes, it is a good idea to compare them. If you are shopping for group coverage, some companies will charge a lower premium than others based on the amount of coverage you are getting. For example, if you are in very good health, you may be able to save money on group coverage by buying an individual policy.
In addition, many people can save money by purchasing only a small number of health insurance policies. If you have more than one health issue to consider, or a pre-existing condition, you may want to purchase one policy rather than several different ones. This will help you have the most affordable coverage possible. Be sure to get the policy at a rate that you can afford, so that you can be assured of getting the best coverage for the least amount of money.
You do not have to be at risk for gaps in coverage while you are waiting to purchase new policies. Be sure to shop around and consider the following factors before you buy individual health insurance.
If your family members have a pre-existing health condition or you are at risk of developing a serious illness, you should find out if you qualify for certain programs available through Medicaid or Medicare. Depending on the situation, you may need to apply and be approved before you will be able to get any type of medical coverage. If you are not eligible right now, you may want to consider finding a private company that offers a special program that can help you. cover some of the costs of your care.
When you shop for health insurance plans, you should also check to make sure the plan includes a doctor’s office visit or prescription. co-pay. If you are unable to pay for the prescription charges right away, you will have to pay a co-payment when you visit the doctor. This will help to offset the cost of your prescription, but you may not be able to get the amount of medication you need.
Another thing to consider is coverage that will cover emergency medical expenses. If you are going to the emergency room for a broken bone, a trip to the hospital, or surgery, you will probably need some type of coverage to help pay for the costs associated with those types of health problems. This is often referred to as a catastrophic insurance plan. The premiums of this plan may be high, but you can make sure that you will always be able to access emergency care should an emergency arise.
You should also think about what type of coverage you want. There are different types of coverage depending on what you need. Some people want a medical insurance plan to help offset the costs of medical care, while others want coverage that will help to pay for major events like a car accident or major illness.