When a person first steps into the health insurance maze they sometimes do not know much about it or worse, they have pre-conceived notions about it.

Please read below for some basics, and check the links on the left for specifics.

All health care insurance policies are NOT the same!
If you "shop price" - - you will get badly burned!

Maybe not today, but it WILL eventually happen

SOMETHING FOR NOTHING - Everybody would like to get something for nothing. It just doesn't happen with health insurance. This section goes into some of the details of health insurance. It also deals with the pitfalls and the traps that you may find yourself in after you get your cheap policy.

HEALTH INSURANCE IS NOT A "ONE SIZE FITS ALL" - If you think about it, shopping for health insurance is like shopping for a new car. You have a choice between the low end model with no options, a fully loaded luxury car, or something in between. You may also get a lemon, which will cost you more in the future than you care to think. Do you know which plans are which? If you shop for the cheapest you'll get the basic low end model which may or may not have the benefits and coverage you need.

YOU GET WHAT YOU PAY FOR!! - If you save $40 per month on your cheaper policy today but you find that you have a $100,000 hospital bill sometime in the future, how smart was that cheaper policy? You cannot get the best price, best service and best product all in one policy. You must decide which of these three you want to give up.

POLICY FEES - If someone offers you a policy that has a policy fee greater than $25 - RUN. These fees are generally non-refundable, even if you get turned down for coverage. If you do get one of these policies issued please don't get sick, because then you won't have to have the insurance company deny your claims.

THE LITTLE THINGS - You can't get any insurance company to pay for your healthcare maintenance any more than you can get your auto insurance company to pay for oil changes, but you can protect your family and assets from financial ruin in the future. Over half of all bankruptcies are the result of medical bills and most of those people had health insurance, just not the right kind.

THE AGENT - When you find an insurance salesman who (1) doesn't push you, and (2) takes as much time as YOU want to answer your questions, and (3) seems to know his business enough to patiently explain the whole thing to you, and (4) will sit down with you face-to-face to compare policies, THEN you have a fighting chance to get a proper policy!!