Insurance

www.healthcare.gov – This new tool provides detailed information about all the health insurance plans available in your area, including policies from private insurers and high-risk insurance pools for your state.  The site also provides information on benefits, deductibles, co-pays, and restrictions on what doctors you can choose for a given plan.  You can also get data on the percentage of applicants who were denied or had to pay surcharges because of their health condition.

www.ehealthinsurance.com – Once you have an idea of the plan you want, get a free quote at this site which provides personalized quotes and policy details for most insurers in your state based on age and health of the individuals being covered.

www.irs.gov/publications/p502/index.html – Qualified medical expenses that can be used to withdraw funds from your Flexible Spending Account (FSA), Health Savings Account (HSA) or expenses that you can deduct on your federal income tax return.

www.dol.gov (select Health and Benefits) – Once you’ve exhausted your COBRA benefits, you may qualify for coverage under the Health Insurance Portability and Accountability Act of 1996 (HIPAA).  You can’t be denied insurance because of your medical history or any preexisting conditions.  If your health is poor, this might be the best and most affordable option you have.

www.medicare.gov (select Supplements & Other Insurance) – In order to be designated a Medigap plan, insurance companies can only sell you a “standardized” Medigap policy with the same basic benefits.  The various polices are identified by letters A through N, which makes it easier to compare plans from one insurance company to another.