Group and Personal Plans: Steps to Take When Applying for Health Insurance


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When you've done initial research on health insurance such as price comparison and analysis of benefits offered, the next step is to apply for health insurance with the insurance company that meets your needs.

You can apply online or sign up with an insurance agent. Depending on your situation or insurance needs, you can apply for an individual health insurance plan or a group plan. Make sure that you have all required documents on hand when you apply for health insurance. This includes documents related to you previous insurance policy, your doctors and your family’s doctor’s names and address and along with the dates of your most recent visits. This information will come in handy when you are completing your health insurance application form.

Getting Health Insurance through Your Employer

If you are applying for a health insurance plan through your employer, you will need to wait until your company open enrollment period begins. If you are new employee, the wait won't be too long. Your company will put you in a group insurance plan, which is a relatively simple and easy process. Most health insurance companies will allow anyone to become insured through a company or group plan regardless of pre-existing and current health conditions.

When filling out your group plan application, you will be asked to provide the following information:

* Home address

* Social security number

* Your current designation

* Information and details of all your dependents

* Employment information (e. g. , your hiring date)

* Your preferred type of health insurance coverage

* Information about your previous health insurance coverage (e. g. , insurance company, policy number, etc. )

Once you complete the application form, you submit it to your company's benefits coordinator for processing. And you're done.

Applying for Health Insurance on Your Own

If you are self-employed or you choose to apply for a health insurance on your own instead of applying for a group plan, you will take the same steps as if you were applying for health insurance through an employer. The only difference is that you will have to do all the paperwork and legwork yourself. Some insurance companies send agents to help applicants through the process, from gathering and organizing the necessary documents, coordinating in-house medical examinations and collecting pre-payments.

Applying for a Health Insurance Online

Once you understand the various health insurance policies and analyzed each plan's benefits, the rest of the process should be clear-cut and very simple. The insurance application process is simple that many people choose to apply online. When you visit a health insurance company's web site, you will usually find a secure online application form. You complete the form by filling in your personal and employment information as well as previous health insurance information and hit the submit button. The information you provided is transmitted securely.

Even though applying for a health insurance online is really a simple, stress free, reliable and quick process, some people are still hesitant when it comes to providing all of their personal information online. If you are one of these people, the offline health insurance procedure is the best for you.

Timothy Gorman is a successful Webmaster and publisher of Easy Health Insurance Guide . A website that specializes in providing health insurance advice to include information on how to apply for health insurance that you can research in your pajamas from the comfort of your own home.


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