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How do you go about getting health insurance?

Updated: 8/19/2019
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Markvienstenste

Lvl 1
13y ago

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Frequently, it is available through your employer in the form of a group policy. This is typically cost-efficient, although normally employers require employers to pay toward the of cost of the health insurance. Inquire of the HR Department of your employer for specifics.

If you are not employed, if you are self employed, if your employer does not offer health insurance, you are best advised to consult a health insurance agent who is LICENSED in your state. He/she/it will generally be able to offer you a selection of products including, indemnity programs, PPOs, and HMOs. It is critical that any plan that you select is underwritten by an insurer/HMO that is authorized to transact insurance business in your state.

Note that medical discount programs are NOT insurance. You still bear the cost of all services rendered. Discount programs only give you the right to access services for reduced fees. Many states require that discount programs also be licensed, so be sure to check on licensure with your state insurance regulator.

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