Nowadays there are a lot of different myths about health insurance. So today I want to talk about some of these myths about health insurance plans. Let?s start.

Myth # 1 – Almost all people can obtain a health insurance policy if they really want it and can afford the premiums.

This may be true only in the case you are healthy or you have access to employer sponsored health insurance plan. In the case you are looking for the individual health insurance plan it is absolutely another thing. Different health insurance companies are allowed to decline applicants if they have certain medical conditions for the period that the underwriting standards are equally applied for like individuals. For example, if you have diabetes or have recently had a heart attack or even cancer, you are likely not to qualify for an individual health insurance plan even in the case you can afford premiums. By some companies you even may be marked as ?uninsurable?.

Myth # 2 – It is possible to get a health insurance policy even in the case of being overweight.

It is not always a true. Health insurance companies use the weight and height underwriting guidelines. If you are overweighed and trying to obtain individual health insurance you have good chances to be turned down. It happens because of the risk associated with the extra weight. In the case you are not turned down, you have to be ready to pay higher premiums for the coverage, in some cases up to twice premiums of a person without obesity.

Myth # 3 – All health insurance companies offer the same coverage and premiums, so there is no need to shop around for health insurance plan.

In fact it is very important for the potential consumer to shop around with different health insurance companies to see whether you are obtaining the coverage you need at an affordable price. Nowadays there are so many different health insurance plans that it is quite difficult to understand which one to use. You shop pay close attention to specific company qualities before choosing just any health insurance plan. Ask some questions about the history of the health insurance company, the monthly premiums and so on.

Myth # 4 – Group health insurance and individual health insurance are the same.

It is absolutely false. There are a lot of differences between individual and group health insurance plans. In the case of individual health insurance you work directly with a health insurance company and have to meet some underwriting requirements. The coverage could be designed for the individual or may include family members. With the individual health insurance it is not tied to your place of employment. Changing a job is not a problem at all.

With the group health insurance the terms are negotiated with the health insurance company by your employer. Usually this type of insurance ends with the employment ends.

It is definitely smart to do your own investigation on the health insurance industry – this is where the comparison of health insurance quotes will help you a lot. For more info about family health insurance provider – please visit this web site with the latest free health insurance plan quotes.

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