Insurance Information

If you get your health insurance through your employer, or by being the spouse or dependent of someone who gets their health insurance through their employer, be thankful. This is probably the most "consumer-friendly" kind of insurance you can have, although it is not entirely without its faults.

Some of the basic features of job-based coverage include:
Guaranteed issue - All employees are accepted for coverage, regardless of their health status.
Guaranteed renewability - Your health insurance cannot be cancelled if you become sick.

When shopping for an individual health insurance policy, it pays to do your homework. Here are some questions you should ask yourself:

Do I want to keep my doctor? If you have a particular physician you like, that might dictate whether an HMO or a PPO health insurance is right for you. In an HMO, you must use the plan's network of doctors in order to receive coverage. A PPO health insurance plan will let you visit any doctor.