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How Do I Get Health Insurance Coverage?

Health insurance is usually offered all the way through individuals to groups. Premiums—the regular fees, which you pay for health insurance coverage—are generally lower for group health insurance. When you receive group health insurance at work, the premiums are usually paid through your employer.

The Group health insurance is normally offered through employers, unions, professional associations, and by other organizations. As an employee benefit, group health insurance carries many advantages. Much although not all of the cost might be carried by the employer. Premium costs are frequently lower as economies of scale in larger groups make administration very less expensive. With group health insurance plan, if you enroll you first become eligible for health insurance coverage, you generally would not be asked for any evidence that you are insurable. (Enrollment usually occurs when you first take a job, and/or might be during a specified period each year, which is called open enrollment.) Some employers also offer employees a choice of fee-for-service and managed care health insurance plans. In addition, some group insurance plans also offer dental insurance as well as medical.

Individual health insurance is a very good choice if you are working for a small company that does not offer health insurance or even if you are self-employed. Buying individual health insurance allows you to adapt a health plan to fit your requirements from the health insurance company of your own choice. It actually requires careful shopping, because health coverage and costs may vary from company to company. In evaluating policies you should consider what medical services are covered, what benefits are paid, and how much you must pay in deductibles and coinsurance. You might keep premiums down by accepting a higher deductible.

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