Finding the right catastrophic health insurance coverage at the right price can be difficult. ?Here are five steps you can take to make sure you find the best plan, at the most affordable price.Step One:Decide how much money you can have saved for a major medical event. ?The higher the deductible you choose, the less expensive your plan will be.Step Two:Talk with your current health insurance company. ?Find out if they have "qualified high deductible health plans" or catastrophic health insurance coverage that is compatible with health savings accounts. ?Not only will this save you money on your premiums, but it will allow you to pay for many of your medical expenses with pre-tax money.Step Three:Find a local independent agent who represents the main insurance companies in your local area. ?Independent health agents can be a valuable resource because they work with multiple health insurance companies and are familiar with .. more >>

What should you do if you have been denied health insurance coverage? What options do you have if you have been denied individual health insurance coverage? What are some of the common reasons that health insurance coverage can be denied?In a nutshell, if you have been rejected individual health insurance coverage due to pre-existing conditions then you should first of all shop around and compare rates from multiple companies. After all, different health insurance companies have different underwriting guidelines and just because you have been denied coverage with one company does not necessarily mean that the next company will do the same. Having the services of an experienced independent health insurance agent at a time like this is a definite plus.If for any reason you are rejected from receiving health insurance by a company, you may also want to try to look for companies that don't require you to answer .. more >>