It’s best to put health benefits in place when you don’t need them. People commonly believe that it a waste to pay for something you aren’t using but health benefits are form of insurance. While insurance companies will do cover pre-existing conditions, plans that do are less attractive. The lowest cost plans (with the best limits) exclude coverage on expenses related existing medical conditions. How you build your plan matters. Start building it now.  

Once you have submitted your request to build a plan, a licensed broker will reach out providing you a custom a research report. This report will contain a list of plans relevant to your request (with prices) and a few recommendations. You may choose from any plan shown and can further customize by requesting the removal or addition of benefits. Plan benefits will be presented in a standardized format so you can easily compare them. 

At this point, you may schedule phone meeting or request any information from your broker. They are there to help. Applications processes my vary by plan and provider but can generally be done online or over the phone. If you’re search has concluded and you don’t want to purchase a plan, simply let you broker know and they will not follow up.