The need to buy individual health insurance can never be over-emphasized. The need becomes all the more glaring if you have had to visit a doctor, even for a minor sickness, and been presented with a bill that you can ill afford to pay. Once you have made up your mind that you have to buy health coverage at all costs, for your self and for your family, it becomes imperative for you to do an in depth analysis of the choices available in the market.
Though all plans have their pros and cons, and there is never an ideal choice, yet you can always make an informed choice. Before shopping for health coverage you need to know the basic health care plans. These can be broadly categorized as managed care health plans and fee for service plans.
Managed care health plans are more affordable than fee for service health plans, but the catch is that the costs of medical bills will be covered only if you visit a doctor or hospital listed in the plan's network. Fee for service plans, also known as the indemnity plans, are more costly, but then you have the freedom to choose your own service provider.
Before deciding upon the plan that best suits your needs, you can order quotes online. Surf the net and you will come across innumerable sites advertising their quotes and prices of the various health plans. Not only will the companies provide you details of the plans and prices, but they will also guide you about the most feasible option for you.
You can order brochures of these companies, and then do a comparative study of the diseases they cover, deductibles, premiums, co-payments, coinsurance, and other factors such as preventive care as also the coverage for prescription drugs.
Also, you must remember to go through the state health department website or if you have the time, a personal visit would be better. You can consult the staff to get a better idea of companies with a good reputation and also advice on which plan to opt for.