Family and Individual Health Insurance

Many people these days find themselves having to purchase family and individual health insurance because it is no longer offered through their employer or they may be venturing out on their own.  If you find yourself needing to find individual health insurance for your family there are some very specific points that you need to be aware of and understand before purchasing the most important coverage you have.

One of the first things you should find out when comparing individual health insurance plans is whether or not your doctors in your area are in the network. Each carrier is different.  In regards to copays, carriers doctor copay only covers the consultation with the doctor, some cover lab work only, others may cover lab plus x-rays. Another important feature of individual health insurance plans is how prescription drugs are covered. The final feature that is of high importance is the individual health insurance and family maximum out of pocket exposure. It is determined by the deductible and coinsurance of the plan.

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