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Tuesday, May 26, 2009

Getting the Best Individual Health Insurance Is Possible

By Irving Donaldson

While its true that most people looking to get the best in health insurance look to the more traditional policies like group health insurance and even student health insurance to satisfy their needs, there is a segment of the population that needs to look to individual health insurance policies to satisfy cover themselves.

When a consumer compares whats offered with one of these plans as opposed to the more traditional polices, its clear theres a need for the person needing the individual plan to be the smart shopper. There are several aspects of health insurance in general that this smart shopper will need to understand.

They should be looking for:

* Guaranteed Issue. Many states have policies where the person can be denied depending on the status of their health. Here, the best bet is to find the appropriate health insurance agents that can steer you to the carriers that can find this guaranteed issue clause whereby the individual cannot be turned down. * Limits on restrictions. Its particularly important here that you find the qualified agents that know the regulations and restrictions on the pre existing conditions that might exist before the policy is signed. Remember that its essential to understand that the restrictions vary widely from state to state and only a licensed heath insurance agent will be able to give the complete picture. * Guaranteed Renewability. This is a clause whereby your health insurance cannot be cancelled in the event that you become sick.

So it becomes clear that when youre looking for the best individual health insurance coverage you need to be sure that youve got the right set of professionals behind you and for that theres a need to look at the companies that are offering broker services closely.

Aetna And Cigna

There is always reputation to consider when youre looking to make a decision. Remember that the best of these places will have associations with nationwide carriers like Aetna and Cigna and there is a lot to be learned by looking at their affiliate program and/or the testimonials that theyve placed on their website.

The differences between an individual health insurance policy and the ones that cater to larger groups are significant. From a cost perspective its easy to see why its best to get a professional health insurance agent sort to through the details to get you the policy that you need.

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