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How to Find The Right Health Insurance For You

Woman Getting Blood Pressure Taken Most insurers are happy to receive your premium payments but are slow to pay your bills when the time comes. That’s why when shopping for health insurance, looking at the insurer’s average time and responsiveness processing claims should be as imperative as how much they charge for their premiums. Several industry leaders in the health insurance world, such as USHEALTH Group, are looking out for better ways to assist you and your family in those trying times when you need your insurance to step in and support you. They make that their goal, so it’s in your best interest to know about these companies.

When shopping for health insurance, you need to find a provider with agents you can trust to assist you with any and all of your insurance needs. Look for statistics, such as:

  • How many people does the insurer provide services to?
  • What kind of services are included in their “HMO”?
  • What specialists you would be able to reach out to on your own, and what you may need a Dr.’s referral for?
  • Does your plan include pharmacy co-pays?

You will know the company you choose is trustworthy if they are upfront and clear in sharing all of the information you’re after with you. That is a good indication that they’ll come through during the hard times. Companies who have paid over $1 billion in insurance claims should give you the confidence and peace of mind that your insurance policy will be honored and payments will be made, if and when you need them.

Lastly, who are the underwriters for the health insurance provider you are shopping? Did you know that USHEALTH Group is underwritten by Freedom Life Insurance Company of America (FLICA) and National Foundation Life Insurance Company (NFL)? Looking into the underwriters is an important step to assure you that you have the best coverage available and that it is backed by industry leaders.

For you and your insurance needs, check the state-wide exchanges offered through the Affordable Care Act as well, and look for offers with competitive prices that match your needs and wallet. Get the coverage you need before something can happen that can ruin your health and your life. The time to get health insurance is when you’re healthy and can qualify for the cheapest rates available. You want to know that you’re getting premium coverage from an industry leader and one that gives you peace of mind that you and your family have the security you need in your most trying of times.

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  1. It is so important to get your health covered. Also, we tend to leave it until it is too late. So, your article came in on time. It is time for me to look at my health insurance just to make sure I’m with the best.

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