Sometimes, a health insurance policy just has to go. This can be due to poor service, low annual payouts, or a restricted network of services. As well, a layoff or sudden cash shortage can give rise to a need for cost-cutting, and for many people, the first thing to go is the health insurance coverage they’ve never had to use. Sadly, while health insurance claims happen rarely, when the need for one occurs, it tends to occur quickly. As a result, finding new health insurance after leaving an old policy can be something that needs to be done ASAP. Heading to a new policy and finding a new health insurance quote, however, can be fraught with pitfalls. Here a few simple tips to help with the purchase.

First and foremost, call the potential provider after you’ve received a quote. Quotes are merely the “best price” based on an average set of circumstances. Most people do not live in an average set of circumstances, however, which means that your rates could be significantly lower or higher than what is being offered, based on your own situation. Call the company, ask some questions, and explain what your needs are. Wait and see what that does to your prospective rates before going any further. As well, speaking to a company representative can give you a feel for how the company operates. A friendly, efficient staff will be readily apparent, as well a surly one that has no interest in answering your questions.

Once the plan itself looks good, see about tailoring it to your needs. One option here is to raise or lower the deductible, depending on your situation. A lower health insurance deductible means that your plan will pay out at a lower threshold, though it will still likely require some co-payments. This also means your monthly premium will be higher. Increasing your deductible will mean less money paid out by the insurance provider, and a lower monthly rate for you. Lastly ask about specific coverage that you need, such as prescription drug payments or recurring treatment plans. Many companies now offer add-on coverage that is not listed in the basic price. These can be very useful as many behavioral disorders and home care options, for example, are not covered under a basic plan and can be very costly for customers to pay for on their own.

Getting back in the health insurance game can be tricky. The key is balancing price with functionality, along with coverage and service. If at all possible, take the time to shop around and don’t simply take the first great quote that jumps out. A phone call and some information gathering, goes a long way to better insurance coverage.