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Home > Health Insurance > The Five Common Individual Health Insurance Myths The Five Common Individual Health Insurance MythsAuthor: Scott Tuttle MYTH #1: IF I CHANGE MY PLAN I'LL HAVE TO CHANGE MY DOCTORThe Facts: Most major carriers use multiple networks and many doctors, both primary and specialty, participate in all of them. MYTH #2: CHANGING MY PLAN WILL TAKE TOO MUCH TIME The Facts: This used to be the case but now through the use of the internet you can review plans in seconds and applications can be filled out online in minutes. There are no physicals needed to apply and approvals that used to take weeks now take days. The truth is that choosing a new plan, lowering your rate and saving money can all happen now within days. MYTH #3: I DON'T HAVE A LOT OF DIFFERENT CHOICES The Facts: There are over 10 companies that offer individual health insurance and each one has an average of six different plans. That's over 60 plans to choose from. MYTH #4: I CAN'T GET NEW COVERAGE DUE TO AN EXISTING HEALTH CONDITION The Facts: Many states have affordable guaranteed issue programs and state high-risk pools. Meaning that every resident has guaranteed coverage regardless of health conditions. There are many affordable plans to choose from and even someone with a medical condition can be covered in a matter of weeks. MYTH #5: IT'S IMPOSSIBLE TO LOWER MY RATE WITHOUT AN OBVIOUS DOWNSIDE The Facts: Most people think that in order to lower their rate they have to give up benefits and choose a higher deductible. However, anyone can easily shop the market for new plans with the same benefits and save a significant amount of money. Thank you for your time and consideration! For Instant Online Quotes visit: http://www.connectiquotes.com Other Recent Insurance Smart Book Articles:
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