People interested in low cost health insurance in Washington State need one thing before they decide on which plan is best for them. They need to know what their options are and what each option provides in the way of coverage for them and their family.
In Washington State there are a few options available for individuals who don’t have a lot to spare on health insurance. For those who fall into the lowest income brackets they may qualify for Basic Health which is provided by the State. If you don’t, you’re going to have to do some research into which health insurance plan is right for you.
The very best way to compare the various low cost health insurance plans is to gather a few quotes. This can be a frustrating experience as insurance agents are typically paid on commission, which means they are going to fight tooth and nail to get your business. The best approach is to have a list of benefits you absolutely must have. Call several different health insurance companies and obtain a quote based only on those benefits.
Not only do you need to be mindful of how much coverage you need but be aware of any fine print. Most policies have an annual limit in place for prescription drug costs, dental benefits and vision coverage. Take note of what each company offers in this area before you make a final decision.
Many low cost plans require the individual to make a co-payment for each doctor visit. Ensure that you can afford this before you tie yourself to the plan. Also inquire about any discounts that may be available if you prepay your premiums for a year as opposed to monthly installments. If that’s a possibility, that approach may offer you a bit more of a savings.