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7700+ Words
24 Pages

Outline:
Introduction
Finding the Right Plan
Compare Different Health Care Plans
Rates & Deductibles
Co-Pay versus Co-Insurance
HMO or PPO: Which Should You Choose?
Individual Health Insurance Extras
Finding Maternity Coverage
Getting Proper Quotes
Flex Spending Account
Health Savings Account
Conclusion

Health Insurance Checklists (10)
Questions to Ask/Research
Comparing Rates/Companies/Deductibles/Co Pays, etc
Past Health History Items
Financial Records from Previous Years
Comparing Health Insurance Extras/Add Ons (Dental Insurance, Life Insurance, Prescription Coverage)
Health Questionnaire
Things to Have on Hand When Applying
What Do You Need to Take With You?
Dependent Checklist
Personal Health Insurance To Do

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- Excerpt from Report –
Rates & Deductibles
All the talk about varying health care rates and deductibles can make anyone’s head spin. Rates and deductibles are completely independent of each other, but they do work in tandem to provide you with the best health care at a cost you can afford.

Rates

Also known as the premium, rates are what an individual pays per month for a health care plan. Rates can vary depending on the type of coverage you are looking for, the health insurance company you are shopping with and even on your health, if a health exam and survey are done before getting a proper quote.

Depending on whether you plan to add dental, life, prescription or any combination of extras offered, your monthly rate will increase. There are ways to help decrease your rate, such as staying in good health and shopping around for plan quotes from different providers. Rates can vary from provider to provider with the higher rates usually set by companies that do not require any pre-insurance exams or surveys.

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