When shopping for health insurance, shop smart! Here are dome Dos and Don’ts for buying health insurance:

Dos
When you buy a health insurance policy you should: 

• Know that there are restrictions on coverage
• Pay special attention to terms and conditions in the policy like:
• Disclose details of all pre-existing health problems including
• The company may want medical test reports depending on age at entry, you should comply with all procedures and documentation requirements
• Check where and how the medical tests will be carried out
• Check who should bear the cost for the tests
• Pay the premium only after the insurer accepts your proposal
• Renew the policy meticulously for the rest of your life

Don’ts

• Conceal facts or you could face a dispute at the time of a claim
• Allow a gap of even one day in your policy renewal or your cover may be insufficient or useless

Cosmo Insurance Agency is an independent insurance agency serving surrounding communities in New Jersey. Cosmo keeps its promise to assure an efficient and creative approach to the services we offer. Each of our clients experience a personalized and long-term relationship with us. Our New Jersey based team of health brokers guides our clients in helping them choose the most cost-effective options. By incorporating the latest in technology-based tools and laws on healthcare, employee benefits, life insurance and finance, we keep our clients up-to-date with the plans that encompass all of their needs, whether it is individual or group insurance.