In Virginia, you have to be a smart, careful shopper if you want to get cheap health insurance. Before you sign up for a health insurance plan in Virginia, you should think about these tips.
Avoid scams. Insurance fraud can happen on both sides. Not all health insurance companies or agents are looking out for your best interests. A lot of health insurance companies and agents are only interested in getting your money. Most of the time, these businesses don't last long. To avoid these scams, call the Virginia Bureau of Insurance and ask if the health insurance company in question is licenced to do business in Virginia. If not, continue. If so, you will be safe from fraud if the company tries to trick you.
Know what you're getting before you buy it. If the company or agent says it is health insurance, then it is. If the company or agent says it's a savings or discount plan for health care, it's not insurance. Since they are not the same, you don't want to buy a discount plan if you want cheap health insurance in Virginia. Discount plans may help you save money, but they don't cover as much as insurance plans.
Pay the insurance company for health care in Virginia. You can protect yourself and your health insurance if you pay the insurance company directly and ask for a receipt. If the Virginia health insurance agent doesn't want you to send payment directly to the health insurance company, you should contact the health insurance company right away.
Pay attention to how the health insurance is bought. You can find affordable health insurance in Virginia on the Internet, by phone, and through radio, TV, and newspaper ads. However, the most reliable and trustworthy health insurance companies don't usually use flashy tricks to attract customers. Keep an eye out for and listen to ads that are flashy and loud, and be wary of health insurance companies that use them.
