If you do not have access to group coverage through an employer, you are probably seeking options for obtaining individual health insurance. As you begin to shop for coverage, you will notice a variety of terms that you may not be familiar with. Take time to review the basics of health insurance as it will enable you to make the best decision possible for your medical needs.
Basic Health Insurance Terms
There are several basic terms that are consistent across companies and the policies offered.
Deductible- The deductible refers to the amount that you will be required to pay out of pocket before your health insurance begins to cover all or a portion of your medical costs. Most professionals recommend that you select the highest annual deductible amount that you can afford as it will reduce your ongoing premium payments.
Coinsurance- This refers to the shared contribution between you and the insurance company for certain medical procedures. For example, 80/20 coinsurance means that the health insurance company would cover 80% of the costs, while you will be required to share in 20% of the total costs.
Co-payment- This amount refers to the amount the insured person is required to pay for their medical procedure. Your health insurance policy will list a variety of services that require copayments and the amounts.
Lifetime Maximum- This refers to the maximum financial contribution that a health insurance company will make on someone's behalf during their lifetime.
Now that you understand some of the basic terms, it is time to search for companies that offer health insurance. You can ask friends and family for referrals, search the local business directory or can search online. Before you begin to ask for quotes, gather together your medical history information so that you can easily answer any application questions required. Also, have a clear picture of the type of health insurance policy that you are searching for as well as your personal budget amount. This information will make it easier to locate the right policy as well as will initiate questions of the insurance agent, allowing you to make the most informed policy decision for your personal needs.
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