Health Insurance

Freelance Jobs News

Freelance Job Bank
For Writers Only
Freelance Workshop
Freelancing eBooks
Freelance Jobs Sites
Freelance Hot Links

Freelance Projects

Web Design

Complete Website
Web Programming
Flash Animation
Banner Ads
Home Business News
Work From Home Jobs
Home Biz Workshop
Home Business Sites
Health Ins Guide
Health Insurance Quote
Investment News
Stock Analysis
Our Picks
Investment Sites
Disclaimer Home
About Us
Free Content
Writer's Guidelines
Privacy Policy

Search Freelance Jobs News and

Search WWW

Stock Quote

Enter city or Zip supports research for a cure for Parkinson's Disease. For more information or to make a donation visit

Send this page to a friend!

Checklist: What's Most Important To You

Health insurance plans vary. Before choosing a plan, decide what is most important to you. This checklist can help. Put a check in front of those services that are important to you. Then see how many of these services are in Policy #1, Policy #2, and Policy #3. On the checklist, write in the coinsurance or copayment rate, if there is one, and any limits on service.

Remember that the most important service to be covered is hospitalization. If you are not covered for hospital care, then one sickness could cost you thousands of dollars, even hundreds of thousands of dollars.

Policy #1
Policy #2
Policy #3

-Hospital care
-Surgery (inpatient
and outpatient)
-Office visits to
your doctor
-Maternity care
-Well-baby care
-Medical tests,
-Mental health care
-Dental care,
braces and cleaning
-Vision care,
eyeglasses and exams
-Prescription drugs
-Home health care
-Nursing home care
-Services you need
that are excluded

Other issues that are
important to you:

-Choice of doctors
-Convenient location of
doctors and hospitals
-Ease of getting
an appointment
-Minimal paperwork
-Waiting period before
coverage begins

Which policy is best for you?

Worksheet: What Is Your Best Buy?

Visit Our Partners
The largest selection of health plans, FREE instant quotes, best available prices and more.

Provides free work at home jobs, home based business tips, email job alerts, and much more.

Dedicated to informing writers of international freelance writing markets.
Health Insurance

Paying too much for Health Insurance? eHealthInsurance offers the largest selection of health plans, FREE instant quotes, side-by-side comparisons, best available prices, online applications and a knowledgeable Customer Care team to help you find the plan that is right for you.

Shop For A Health Plan
Individuals, Families, Students Click Here Get Health Insurance Quote: Individuals, Families, Students
Get Health Insurance Quote: Small Business Small Business Click Here
Seniors - Medicare Supplement Click Here Get Health Insurance Quote: Seniors, Medicare Supplement

It is difficult to determine exactly what you will spend a year on health care. You do not know whether you will be sick 6 months from now and need an operation. Hopefully, you will not.

Using this worksheet, you can begin to make some rough estimates. Much will depend on what service you need or want, how many people are in your family, your age, and other factors. Do you need to have your eyes tested this year? Will you have a mammogram or other cancer screening test? Does your child need immunizations?

Look at your medical and insurance records from last year as a guide to what services you might use this year. Add up the actual costs to you, including premiums. Estimate what you might spend on your health care in terms of deductibles, coinsurance and/or copayments, and services that are not covered.

Compare Policy #1, Policy #2, and Policy #3 to determine which is the best buy for you.

What is your monthly premium? Policy #1 Policy #2 Policy #3

Multiply by 12 for annual cost:

What is your deductible?
(if there is one)


What is your coinsurance rate or copayment, if there is one? (Note if there is a higher rate for special services, such as outpatient mental health care.)

Are there any annual limits for days or services covered and the amount spent on you?

What is the maximum you will have to pay out-of-pocket each year?

What is the lifetime limit, if any,that you will be reimbursed?

Total estimated yearly cost to you:

Now look at the checklist of services that are important to you. Is your best buy the same policy that gives you the most services you need?

Next: Other Types Of Insurance

Home | Freelance Jobs News | Home Business News | Health Insurance Guide | Investment News
RSS | About Us | Advertising | Privacy Policy

Copyright © 2000-2005 All rights reserved.
Any reproduction or other use of any material on this site without written permission is strictly prohibited. The authors of all articles appearing on this site have given perrmission for their publication here. Please contact respective authors for permission to reprint any articles. Original authors retain all copyrights.
Website by