Health Insurance Consumer Guides

Until a few years ago, most people had their health insurance provided by their employers as a standard benefit. In those days, you didnt really have to think very much about what sort of insurance policy to get; the employer chose it for you, and your choices were limited to whatever sort of policy the employer offered.

When to Use Health Insurance Consumer Guides

In these troubled economic times however, many employers have had to scale back their benefits programs or eliminate health insurance for their employees entirely. Many people are not covered at all by their employer, or are only partially covered. Or, they may be an independent contractor or sole proprietor. Whatever your situation, as a health insurance consumer, you may be facing a bewildering array of choices as a health insurance consumer. What is the best health insurance policy for you and your family? Do you need an insurance agent? Whats the difference between an HMO and a PPO? As an independent consumer, you may need some guidance and education when it comes to choosing your own health insurance policy. Thats where a health insurance consumer guide comes in.

Using Consumer Guides

Health Insurance Consumer Guides are all over the internet, and can help answer your questions and guide you through the sometimes confusing process of shopping for health care coverage. Many are put out by different consumer advocacy groups or government consumer services agencies. Groups of insurance agents may also offer advice on how to choose the best health care plan for your needs. If you are looking for information on how to compare policies, what types of health insurance policies exist, what a health deductible is, or how to cover a preexisting condition, contact one of these agencies and request a health insurance consumer guide. Your state health department may also have such a guide on their website.