Health Insurance Outlet: Guide For Buying Health Insurance

LOS ANGELES, March 27, 2012 /PRNewswire/ -- Navali & Company, insurance agency and parent company of Health Insurance Outlet, educates consumers on what to look for when buying individual health insurance.  Through our website, www.healthinsuranceoutlet.com, consumers can click on "Guide For Buying Health Insurance" under the resources section and learn more about what to look for when buying California health insurance. 

There are many types of California health insurance plans out there.  Here are the top ten things to look for when buying individual health insurance:

1) Know What Benefits Are Important For Your Family

Once you run the health insurance quotes, you can filter the search results by price range, deductible range, PPO or HMO, and health insurance carrier. 

2) Comparison Shop

When you use our quoting system, we make it easy to drill down to the health insurance plan that makes sense for you.

3) Know Your Rights

Did you know that in California you have a ten-day free look period?  Make sure you know what you are entitled to in your state.

4) Pick The Right Deductible

Usually, the higher the deductible, the lower the monthly cost for the health insurance.

5) Know Your Out-of-Pocket Maximum

Each plan has a maximum amount you will be responsible for each calendar year.  These maximums protect you against catastrophic events that may cost millions of dollars. 

6) What Type Of Plan To Pick

Should I pick HMO or PPO?  Do I need an HSA plan?  Most individual plans are offered on a PPO basis, which means you can self-refer for your medical services. 

7) Who Needs The Coverage

Health insurance carriers also offer plans for families or children only.  If you need family coverage, then your monthly cost will definitely be higher.  If you need coverage for your child because you are already covered, carriers offer child-only plans that can save you some money.

8) Office Co-Pays

Some plans have a certain allowable amount of visits per year at a certain rate, and then you have to pay a higher negotiated rate moving forward.

9) Emergency Room and Hospital Coverage

This is the most expensive part of medical costs.  Make sure to look at these benefits very closely because these will affect your pocket book. 

10) Read The Fine Print

If you do not understand a part of the health insurance plan, make sure you read the full benefit details to learn about all the coverage and cost details. 

About Navali & Company:

Navali & Company is a full service insurance agency working with individuals and small businesses across California.  The company offers health insurance plans from all the major insurance carriers in California and has been saving money for consumers and small businesses for many years.  Please visit www.navalicompany.com for more information.  

SOURCE Navali & Company

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