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Good health insurance coverage is an important part of maintaining your good health. This article provides advice so you can get and maintain good health coverage.

If you have graduated from college and you are in need of health insurance, there are some options for you. If you are employed and the company offers insurance, you can enroll in that. Other options include personal insurance plans, as well as being included on your parents' health insurance plan if you are below 26.

When it is time to renew your policy, evaluate your needs carefully. Even if a certain plan fit you well in the past, your needs may have changed, thus, you need different coverage. If your employer also offers vision and dental insurance, you should review that also during open enrollment.

Remember to get vision insurance to help you deal with existing and potential eye problems. This insurance covers some of your contacts, glasses and check-ups. You are not required to carry vision insurance, and it may be cheaper in the long run to not have this coverage.

Pay attention to which prescriptions are covered under your policy. It is common for insurance providers to change the rules from year to year with little warning, so refrain from enrolling for another year until you read the newest policy. Pay careful attention, in particular, to changes in your prescription drug program. If a prescription medication that you need to take routinely is not covered by your insurance policy, it's time for you to find a new health insurance company.

Catastrophic coverage may save money on health insurance premiums, but comprehensive coverage will save money in the long run if you have any serious medical needs. Catastrophic coverage only kicks in for emergency care and hospitalizations, whereas comprehensive coverages includes coverage for prescriptions and visits to the doctor.

Don't give out unsolicited information when an health insurance provider calls you during the application process. Simply respond to whatever questions they ask. Any extraneous information that you provide can be used to increase your premiums or deny coverage.

Look over your health insurance policy in order to have knowledge about which prescriptions will be covered through it. This list will be different every year or so, so make sure you check it when you enroll again to avoid a surprise at the pharmacy when filling your medication.

If you are relatively healthy and do not visit the doctor often, start an HSA (Health Savings Account). This allows a person to save money pre-tax in an account to be used for medical expenses later. The premium savings from a high deductible can go into the account, for example.

Many people do not have the income to pay for complete health insurance coverage. If you are one of these people, but still want some level of health insurance, obtaining a health insurance policy that protects you from catastrophic events could be an effective and affordable alternative. Of course, this type of coverage can also be purchased for additional protection in extreme situations.

Doing your homework is key before buying a catastrophic health insurance policy. Make sure it covers the catastrophic events that you're worried about. Choosing a policy which also has a Health Spending Account will allow maximum flexibility in case anything happens you weren't expecting.

It's important to do extensive research before signing up for health insurance if you suffer from a pre-existing medical condition. Many companies will not extend coverage at all for certain pre-existing conditions, and others will charge ripoff rates. You can get the best coverage at the lowest rate if you take the time to do some research.

There is no question about the importance of having good health. Having good health insurance is important to remaining healthy. Use the tips featured above to help you to purchase a good health insurance policy that is right for you.