| Health insurance is critical to protecting you from | | | | customers happy with their services? To check |
| possible financial catastrophe. Even if you're young | | | | on the customer service of potential insurance |
| and healthy, you can still get sick or have an | | | | companies ... |
| accident. Because health insurance is so important, | | | | * Visit each company's website and see how |
| you want to make sure you choose the best | | | | easy it is to navigate and whether it provides |
| health insurance provider, one that will cover your | | | | answers to simple questions. |
| health needs, provide good customer service, and | | | | * Check the number of complaints lodged against |
| offer reasonable rates. | | | | an insurance company each year by visiting your |
| Your Health Needs | | | | state's Department of Insurance web page. |
| Your health insurance needs are unique, and you | | | | * Go to J.D. Power & Associate's website |
| need to make sure the insurance company you | | | | (jdpower.com) to get insurance company ratings |
| choose meets those needs. For example: | | | | and customer reviews. |
| * Do you need short-term or long-term health | | | | Reasonable Rates |
| insurance? | | | | Many health insurance providers let you apply for |
| * Do you have any pre-existing conditions that | | | | insurance online. To make it faster and easier for |
| need to be included in your coverage? | | | | you to get and compare quotes from different |
| * What kind of coverage do you need - | | | | health insurance providers, your best choice is to |
| comprehensive, major medical, vision, dental, etc.? | | | | go to an insurance comparison website. On such a |
| * Do you have a particular doctor or hospital you | | | | website, you complete one simple and easy form |
| prefer? | | | | and get fast quotes from multiple A-rated health |
| Good Customer Service | | | | insurance providers. |
| In addition to meeting your health care needs, | | | | The best websites even let you talk online or by |
| you want to choose a provider that offers good | | | | phone with insurance professionals so you can ask |
| customer service. Are you able to get answers | | | | questions and make sure you choose the best |
| to questions easily? Are claims paid promptly? Are | | | | health insurance provider for you. (See below. |