illness, you don't want to have to beg for the best treatment.
-Vast coverage limit that shouldn't ever be exhausted, even for the most catastrophic medical expenses - A key idea to keep in mind when shopping for your health insurance policy is to find one with no limits, if possible. If this is unattainable, find a maximum policy limit of $1 million per claim or $2 million per lifetime.
-No internal policy limits - Do not purchase a policy that has internal policy limits.
“What coverages should I have under my health insurance?”
Your health insurance policy should include several coverages…
Physician's expense - covers your doctor's office visit or hospital visit
Hospital expense - takes care of room, board and services while you're in the hospital
Surgical expense - pays for any surgery related fees or costs
Major medical insurance - provides a very high maximum benefit formulated to protect you against losses from major injuries or illnesses
“Perks of health insurance?”
Double check your health insurance policy. It MIGHT include the following benefits…
-Vision
-Maternity care
-Preventive care
-Mental health benefits
-Prescription drugs
-Dental
“I know I need health insurance, but my company doesn't offer insurance packages. Where can I get a reasonable insurance quote?”
There are several insurance comparison web sites that allow you to quickly get an insurance quote - whether you're looking for health, life, home owner's or auto coverage. To receive an insurance quote online, most of the comparison sites will ask for personal information. It is very important to answer truthfully when you are filling out these applications. Otherwise, your insurance quote may not be as accurate as possible.
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HometownQuotes, a Franklin, Tennessee company, provides a quick and easy way for consumers to compare multiple insurance quotes. To learn more, visit www.hometownquotes.com.
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