The cancer insurance bottle

When shopping for cancer insurance, there are many things that can be confusing. For example, a lot of companies quote you based on units. This quoting system is effective if you know what a unit is. But if you don't then you could find yourself confused by the process. So, what is a unit? A unit basically is how much money that can get paid out to you. When you are shopping for insurance instead of looking for units, try looking for something easier to understand, such as plans that are named, like: Basic, Enhanced, and Premier. Then, do a side-by-side comparison of the different plans to see how much each plan pays out and how much they cost. That will make it easier to know what your options are, so you can make a more informed and better decision.

Another thing to look for when you are shopping for insurance is a company that can offer you both accident insurance AND cancer insurance on ONE policy, rather than having to have two separate policies. This can be a real money-saver.

Also,be sure to look for policies that include rich wellness benefits. For example, some policies will pay for three annual tests, while others will only pay for one. What are wellness benefits you may ask...supplemental health plans usually pay you for getting your annual pap, mammogram and in some cases one more test like a chest X-Ray or an EKG. This feature, in itself, can sometimes pay for the plan by putting money back into your pocket, but not all plans are equal! Look for a cancer insurance policy that pays for more than one wellness test - you might as well go with the policy that pays for more tests, so that you can be getting the most for your money.

Next, you should look for insurance companies that have names you recognize. Some companies have been around a very long time, so their names are easily recognizable. Chances are, those companies can offer you better policies and will support their customers long after the paperwork is signed. Companies with less-known names have not been around as long and might not be able to provide you with the customer support that you may need in the future.

That brings us to our last thing to look for when purchasing or shopping for insurance. Look for a company whose agents will be with you down the road. Ask if the agent who signs you up will be the agent you will deal with in the future. If they aren't you might want to keep shopping.

Main Points:

* Less confusion when a plan is named and not explained in units
* Look for a plan that has accident coverage and critical illness - all in one policy!
* There are companies that offer more than one wellness test, in fact some offer up to three a year!
* Go with a company name you recognize
* Find an agent that will be with you after they've sold the policy!

So, when you are next shopping for supplemental cancer insurance, keep these tips in mind. They will help you to find the policy that will give you the most for your money, as well an agent that will be there for you when you need them. That is what having insurance is all about - taking the stress out of difficult times - and having a person there for you to help when you need it the most.