If you are not insured through an employer, professional association, or other group, you probably will be buying your own individual health insurance policy. If you are buying your own insurance policy, it is advisable to work with a health insurance agent. He or she will be able to advise you on the best policy for you and your family, saving you both time and money. Not only will agents advise you on coverage options and cost saving measures, but they will also be aware of the companies operating in your city or state. With a managed care policy, it is vital that the network offers you good coverage where you live.
Some agents represent only one company, and others represent several companies.
Be sure to get recommendations from more than one company, even if this means using more than one agent. Buying a Policy 1. Medical History You must give your agent a full and accurate medical history for anybody you intend to insure. Check whether any pre-existing conditions will effect your coverage. Compare Plans Review the Policy Chooser before making your final choice.