~Health Insurance~


When purchasing health insurance, either individual or a group plan, remember to look for guaranteed renewability. Make sure your contract has the words "not cancelable by company" or "guaranteed renewable" in it.

Many business or industry associations offer members the option of being part of a group insurance plan. This is a good way to go, but these policies are often overpriced.

HMO's and other managed care companies aren't always the least expensive option either.

You may choose to buy insurance through a PPO, which is an organization which allows you to choose a doctor from a list of providers or go outside of a network as long as you are willing to pay a deductible.

Whichever route you choose, remember that health insurance is necessary for yourself, and a good way to get and keep loyal employees.

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