4 Tips for the First-Time Health Insurance Shopper

​Purchasing health insurance can be such a tiring and complicated process for most people, particularly first-time shoppers. However, by following these tips, you will be able to purchase good health insurance without problems.

1. ​Understand the Coverage
   For the first time shoppers, the one thing you need to consider is how much you should be covered. For instance, if you are a healthy and active individual who does not engage in dangerous sports and has no medical history of serious illnesses in the family, then maybe it is best that you get the lowest coverage since it is only for regular checkups and emergency purposes. Otherwise, you can get the highest coverage that you can get your hands on.
   
   
2. Determine Your Budget
   Getting insurance is a commitment, and you will need to pay premiums ranging annually to monthly. Make sure that you can pay timely because if you can’t pay your premiums then the health protection that you can obtain stops.
   
   Try to choose a coverage that your budget can take, or you can also get a group health insurance with family members or friends to lower premiums.
   
   
3. Know how the customer Service Works
   Information is easily searchable with today’s technology. So, use that to your advantage and do a background check on the insurance company you are eyeing. Learn about other customer’s experience and see how the insurance company solve problems. You can check out forums or even ask questions so you can weigh all your options.
   
   
4. Review the Network of the Insurance Plan
   Do you like a certain specialist or doctor? Then you need to be aware of an insurance plan network. There is some insurance plan that requires you to visit hospitals and physicians who are within their particular network of healthcare providers or you will not receive any coverage. Make sure that you see if your preferred physician or hospital is within the health plan's network before making your purchase. 

You hope that you never use your long-term disability insurance or life insurance. But your health insurance? You will probably use that for at least once a year for your whole life. So, make sure you choose the right one.

At Klamath Insurance Center, Inc., we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (541) 882-5555 or Click Here to request a free quote