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Health insurance could be a short term and long term live saving investment. But, prior to paying for a policy, be certain that you are making an informed decision based on good questions and from doing your homework. This article contains the basics of what you need to know to make good decisions about health insurance.

Sit down and create a budget when deciding on which health insurance plan to choose. It is important for you to take the time to understand exactly what your co-pays, premiums and deductibles are when you have health insurance.

Bear in mind that the costs for individual policies are usually higher than those of group insurance offered by employers. You might have to choose an insurance with a bigger deductible, or one that has a less coverage, or both. Take some time to research companies so that you can get the best rates and coverage.

If you get a call from the health insurance company as part of your application process, don’t give out any extra information. Only answer the questions they directly ask you. If you give them additional information they did not ask for, they will record it, and could find a way to raise your rates or possibly deny you for coverage.

Generic drugs will always save you money regardless of the type of health insurance coverage you have. Generics are available in most cases and contain the exact same ingredients as a brand name.

You need to find out which health insurance company and plan is best suited for you. You can pick between POS, PPO or HMO. Each has different pros and cons that you should find out and consider before you purchase a policy. Make sure that you’ll be able to keep your doctor if you want to.

If you are relatively healthy and do not visit the doctor often, start an HSA (Health Savings Account). You can save money you do not pay on insurance, and it can go straight into this account to pay for medicines and doctors, if needed.

Even if you have a pet that lives indoors, it is still a great idea to get them pet health insurance. There are many things that could happen indoors, such as injury or poisoning. Also, if they escape, anything could happen to them once outside. Your pet can still break a tooth or bone indoors, and that may need pricey vet care.

Read the handbook that comes with your health insurance policy. Your carrier will send a booklet that has all the policy details in it, and fully reading it is the best way to understand what coverage you have. While the process may be boring, it will pay dividends down the road.

Make sure your health insurance policy is suitable for your needs by asking certain questions. Doing your homework yields serious dividends when it comes to picking the right provider and policy. Using the tips in the above article, you should have no problem choosing what you need.