3 Things to Check Before Picking a Health Insurance

1. 3 Things to Check Before Picking a Health Insurance www.customhealthplans.com

2. Private health insurance always comes in handy if you are looking for some assistance during those days when your health isn’t a 100% and your insurance is the primary source to keep your medical bills at bay. Health insurance is a bigger remedy than the feeling of being fit again, and it is something you must consider. Choosing the right health insurance plan for your loved ones is a serious decision as health is the only true wealth and it provides you a peace of mind and sense of security not only for yourself but for your family too. It assures you that you can always offer them the best chance of getting well just in case anything goes wrong. www.customhealthplans.com

3. Private Health Insurance in Texas Many of us buy health insurance with the sole objective of saving tax but fail to consider the importance of buying a comprehensive medical insurance plan. More than 80 percent of financial crisis originate out of a medical emergency and the same can severely damage one’s finances. Health emergency will not only require funds for treatment but for most of us will also hurt our ability to earn thus hitting us with a double impact. Imagine losing a family member because you cannot afford to give him the best medical treatment. So health insurance is a must today. While buying health insurance is a tough choice, there are a few factors you should consider when zeroing down on a plan. Below are the 3 things to consider before purchasing health insurance: www.customhealthplans.com

4. Sum Insured This is one of the most important considerations which should be carefully planned. The sum insured would be the maximum liability which the insurance company would pay in the event of a claim. Given the high medical costs, your policy’s sum insured should be optimal. Since a high sum insured entails a higher premium, you should assess whether the premiums would be affordable or not. If affordability is an issue, you can, instead, choose a top-up or a super top-up health plan to supplement your coverage while keeping premiums low. So, factor in all these factors and ensure to have a decent sum insured in your health insurance plan. www.customhealthplans.com

5. Coverage Features Health insurance plans, nowadays, offer a wide gamut of coverage features which make them comprehensive. Every plan is composed of different coverage features and you should study every plan’s coverage features before you buy one. First, find out which coverage benefits you would require. Then, compare health insurance plans based on the required features. Shortlist plans which offer the features you require and then choose the best plan from the shortlisted list. Don’t pay for coverage features which you don’t require and, at the same time, don’t miss out the features which you do. Choose a plan which fulfils your requirements while at the same time is low on premiums. This way, you can buy the best health insurance plan which suits your needs. www.customhealthplans.com

6. Waiting period If you are suffering from any health-related ailment when buying the policy, you would not be allowed coverage under your health plan for the first few years. This is called the waiting period and your ailment would be called a pre-existing illness. Every health insurance plan has a waiting period clause for pre-existing illnesses. Though the clause is universal in all plans, the tenure differs. Some plans have a waiting period of 12 months while others extend it to up to 48 months. When buying a health plan, you should check the plan’s waiting period. Try and choose a plan with the lowest period so that you can enjoy an all-inclusive coverage at the earliest. www.customhealthplans.com

7. Contact Us Custom Health Plans, Inc Richard J. Monello 4601 Old Shepard Place Suite #104 Plano, TX 75093, United States 4693614032 rmonello@customhealthplans.com www.customhealthplans.com www.customhealthplans.com

8. www.customhealthplans.com