Washington Health InsuranceIndividuals and Families
Washington Health Insurance
How to find an affordable plan.
In Washington State researching and selecting an individual health insurance policy can seem challenging. They all look alike, and they all look different at the same time. There are so many different points to consider when choosing health insurance to cover you and your family how do you decide? Here are a few tips to help you wade through the policies and decisions: Ask your family physician what types of insurance they accept. If you have a doctor you probably want to continue seeing them. That is especially important if you have a condition you have been getting treated for prior to looking for a new health insurance quote. Your doctor will not be able to advocate a particular insurance but it will help you find companies they are associated with. Take a few minutes to make a list of all of the different needs each family member has. If anyone wears glasses having vision coverage may be a very important consideration. Dental plans are intelligent additions if you have young children and teens in the family or adults with dental problems. Cost is always an issue and once you find plans that have what you need you should compare them for the most affordable health insurance rate.
Leading Washington Health Insurance Companies
Additional Policy and Coverage Considerations
Make sure a policy will cover special needs such as chiropractic visits if you have back troubles, or therapy if you or a member of your family requires it. Look ahead for at least five years and think about any possible future needs you may have such as starting a family and needing child health care or growing closer to retirement age when Medicare will be necessary for you or someone in your family. Check your local health insurance companies too. Small does not necessarily mean less capable, although make sure you carefully review deductibles and services provided by these companies and compare them to the major providers available to you. Use the Internet to obtain a wide variety of nearly instantaneous health insurance quotes so that you can look at them all at the same time. Compare types of services offered as well as extra needs riders, and of course the cost of the quotes to find the best health insurance for your needs. Here are three additional tips to lower your costs:
- If you find the health insurance quote that fits all of your needs but still seems out of reach of your monthly expenses ask about getting the same policy with a higher deductible. There are good and bad points when using an increased deductible to lower a health insurance quote so make sure that you understand the liabilities of that method well.
- A higher deductible will likely greatly reduce your premium costs but means you will have to pay a larger amount of money upfront before any medical coverage is available to you. If you choose this method of insurance to get a cheaper health insurance rate make sure you have enough savings in your back up funds to allow for the needs to pay out of pocket health expenses.
- One way to ensure you have enough money to cover a high deductible is to open an HSA (Health Savings Account). These often give you a benefit of being tax exempt as well so are of great advantage if you choose a health insurance policy that has an exorbitant deductible.
Health Insurance Exchanges in Washington
To learn more about the benefits of the Health Insurance Exchange in your state, click here
Resources and Information
Washington Medicare Plans
Seniors age 65 and older are eligible for a variety of Medicare plans in Ohio. Medicare plan options include Medigap and Medicare Advantage policies:
Washington Doctor Directory
Doctors practicing medicine in the State of Washington are licensed by the state. Doctors accept different forms of health insurance which you can verify before setting an appointment.