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Chronic and serious illnesses are expensive, and without individual health insurance, getting the medical treatment you need may be difficult. A comprehensive health insurance plan can take some of that worry out of your life with the reassurance of knowing that if the worst happens, your medical expenses are covered. Your lifestyle will have a bearing on the cost of your insurance coverage - if you smoke, are overweight, or have an otherwise unhealthy lifestyle, your insurance costs will be higher. Pre-existing medical conditions will also increase the cost of your individual health insurance premium.

When you're shopping for an individual health insurance plan, there are several things you want to consider before deciding what type of plan is best for you and your circumstances. Most plans cover normal medical expenses - but before signing anything, think about what other services you and your family may need, and if the plans you're considering cover these needs. Knowing the medical history of your relatives will help you make decisions based upon what types of medical conditions might run in the family. And if you require specialist care, make sure your plan covers it. Emergency care - usually a referral from your doctor is a prerequisite for emergency medical care. Some individual health insurance policies won't pay for weekend hospital visits unless you are referred by your doctor, and some will require that you wait until a weekday if it's not a matter of life and death. Prescriptions - insurance plans vary on the percentage you are required to pay for prescriptions, and some charge a flat fee rather than a percentage. Supplemental insurance ? some conditions are not covered by normal individual health insurance. While dental insurance is usually covered by an entirely separate policy, diseases such as cancer, or critical conditions such as heart attack or stroke, should be covered by supplemental insurance. Before you commit to an individual health insurance plan, make sure you're clear on what is and isn't covered - your policy should list services that are covered, and also those that aren't covered. Bear in mind that your insurance company, and not your doctor, decides what expenses it will pay for.

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