Advice For Buying Health Insurance

Whether you are currently insured and are looking at changing policies or you are uninsured and need to get Pennsylvania health insurance there are a few things that you need to consider:

1. Pennsylvania law states that you have a review period of ten days after you receive your policy. You have the right to review the policy and your application. If you are not satisfied you have ten days to return the policy back to the insurance carrier and have your premium refunded to you.

2. If you have to file a claim with a Pennsylvania health insurance company be sure to do so within twenty days of the service. Notify your agent and let them know that you have a claim. Make sure that all the forms for the claim are filled out accurately and completely.

3. If you are changing policies it is important you do not cancel your current policy until your new one takes effect. Even though you may have paid the premium, your policy will not go into effect until after the insurance company approves the application. Keep in mind that if you have a pre-existing condition, there may be a waiting period before that condition is covered even after your policy has been in effect. Ask your agent when the policy effective date is and what is covered at that time.

Remember, getting a Pennsylvania health insurance policy is beneficial should you have an accident or become ill but knowing your rights as a consumer is just as important.

By: Lou Del Ricci