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Tips for selecting best health insurance option

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David Townsend Terry is a local licensed insurance agent with Insphere Insurance Solutions. Reach him at (480) 239-0451 or

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Posted: Tuesday, May 29, 2012 4:45 pm

The number of people who purchase health insurance as individuals continues to grow each year and it’s important for these consumers to understand the options that are available when it comes to their coverage.

While the Internet is a good resource for information about different carriers and pricing, a licensed insurance agent continues to be the best source for insights about the different product options and how one product compares to another based on an individual’s needs.

Here are some tips to consider as you prepare to meet with an agent to help you make the right choices when it comes to purchasing individual health insurance coverage:

• If you have existing coverage, have your policy ready when you meet with an agent. Explain to the agent what you like and dislike about that coverage.

• If you don’t have coverage, be prepared to tell the agent “must have” and “like to have” features about the policy you want to purchase. Will you need maternity coverage? What about yearly check-ups and immunizations? Look ahead to the next year and try to identify what medical services you may need, so that you do not end up with medical coverage that does not meet your expectations.

• Know your budget. Consider your lifestyle, potential medical usage, income and expenses to identify what you can afford to spend each month for health insurance.

• It is important that you understand how the coverage will work when you need to use it. Think about some typical medical situations you or your family has experienced and ask the agent to explain how those kinds of events are covered. Ask some “what-ifs” for more catastrophic events, too.

With this information, you and your agent can start building a plan with coverage that truly reflects the needs you and your family have.

Taking a proactive approach to planning for your health insurance needs will help you provide coverage that can assist with potential medical expenses for yourself and your family.

It’s important to talk to someone who can clearly explain each coverage option so you select the best plan for you.

Local licensed insurance agent David Townsend Terry can be reached at (480) 239-0451 or

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