The Benefit Of Having Health Insurance For Students

Are you a student? If yes, you must have many times encountered insurance representatives selling students health insurance. If you have not considered their advice seriously, you must do now. There are many ways you can benefit from a students’ health insurance policy. For instance, if you plan to travel and study abroad during an upcoming semester, you need to consider purchasing overseas student health insurance seriously. It will let you rest assured about any kind of illness, physical emergency or medical expenses, you need to incur while staying in abroad or traveling for study.

A student health insurance is not only for students who get sick easily. The insurance policy will save you from any kind of illness you may face anytime during your student life.

Getting a student health insurance coverage is a prudent decision especially when you have limited resources. Can you imagine the situation where you require to spend your entire saving within some days when you get sick? You cannot imagine the kind of expenses you need to encounter with to get a good hospital treatment without any health insurance coverage.

The insurance coverage will let you save a good amount of money that you would otherwise be spending on paying your hospital bills and medicine. The key is to stop thinking that you will never get sick. Emergency can strike anyone, anytime. Hence, you need to prepare yourself for the hazards and ill effects of a sickness in advance. This will save your money, time and most importantly provide you the peace of mind you need to concentrate on your studies.

Now, once you have decided to get a student’s health insurance policy, you need to find the most affordable one. The policy should be able to meet your specific requirements and suit your budget. There are several insurance companies that would offer you the best of student’s health insurance policy. All you require to do is to visit one of these companies and find out the best for you.

However, this is a tough task. The reason is that with so many student’s health insurance companies around and each claiming to offer the best and most affordable deal, one tends to get confused. Hence, you require to make some great efforts in this regard. Research is the key to success here. Try to make an extensive research on some reputed insurance lenders online and collect quotes from them. These quotes are free and allow you to compare the prices allotted by a particular lender on health insurance for students. This is the best way to get an affordable deal.

You can also purchase student health insurance from your college or from a private health care provider. If a student is under the age of twenty-four, he or she may be covered by parent’s health insurance policy.

Purchasing student health will help you remain healthy and concentrate on your studies. You can easily have prescription health coverage via students health insurance policy. This health insurance policy may not be able to cover all your health problems and accidents, but provide you basic coverage you require to keep yourself safe.

Just make sure to compare prices and coverage before going for a particular policy. Also make sure that the policy you purchase is coming from a reputed insurance lender. Purchasing student health insurance will let you enjoy your student life and concentrate on your studies.

A Guide To Understanding Your Health Insurance Policy

You now are the proud owner of a health insurance policy through your place of employment, but you have no clue what anything in it means. You start reviewing the policy and it gets more confusing as each word is read. This happens too often to a lot of people and it shouldn’t. Insurance policies for the most part are simple to understand if you know the language they speak. Now if you don’t that’s another story. Let’s get started and see if we can help you make sense of your new health insurance policy.

The first things you want to understand are the many terms that are in your policy. One of the common terms that you will see a lot and deal with a lot is a deductible. A deductible is what you would have to pay before any benefits in your health insurance policy would be accessible. Usually this is an annual amount and will vary greatly by the underwriters of the policy. Most of the time there are separate deductibles for an individual account and a family account. Some policies will let you use some of their services with out meeting the deductible. Once you meet your deductible then you’re done for that calendar year. The following year though you have to start all over again.

As the information we produce in our writing on health insurance may be utilized by the reader for informative purposes, it is very important that the information we provide be true. We have indeed maintained this.

We have included some fresh and interesting information on health insurance. In this way, you are updated on the developments of health insurance.

Co-insurance, or co-payments which they are sometimes called, are amounts that are paid by the insured before the insurance will pay and this is in addition to the deductibles. Some policies let you pay a co-payment for certain services without meeting the deductible.

Out of Pocket is what you will have to pay out of your own pocket. This could include your deductibles, co-insurance, and your co-payments.

Even if you are a stranger in the world of health insurance, once you are through with this article, you will no longer have to consider yourself to be a stranger in it!

The first impression is the best impression. We have written this article on health insurance in such a way that the first impression you get will definitely make you want to read more about it!

Accept the way things are in life. Only then will you be able to accept these points on health insurance. health insurance can be considered to be part and parcel of life.

Most every policy that you get especially health insurance policies have a lifetime maximum term. What this means that your policy basically has a cap on it. During the lifetime you can’t go over a predetermined amount or the health insurance won’t pay after the set amount. Now don’t get worried it’s usually a very high figure but with today’s rapid escalating health care costs you can reach it fairly quickly.

Opportunity knocks once. So when we got the opportunity to write on health insurance, we did not let the opportunity slip from our hands, and got down to writing on health insurance.

Exclusions will be one section that you must read very carefully and fully understand in your health insurance policy. Exclusions are things the policy will not cover and this can be a very gray area. The policy could cover operations but not after care or cover after care and not the operation. This is one of the most important sections of your policy so read it and reread it over a lot to make sure you grasp all of the contents and what it covers and what it doesn’t cover.

Pre-existing conditions is one of the things you will want to know about. Pre-existing basically means it was a condition you already have and been treated for which the policy will not cover it or pay for any work done for that pre-existing condition. Some health insurance policies will cover pre-existing where others won’t which is why knowing what is in your policy is very important.

Waiting period is usually the time you will have to wait for your health insurance policy to become effective. Most policies do have a waiting period and the benefits aren’t available until you have met the waiting period requirements. Different companies have different policies so check with your insurance company so you will know the rules for your policy.

Find Affordable Individual And Family Health Insurance

Individual and family health insurance is the way to go for many people. For example, college and university students may find themselves in a bind when it comes to obtaining affordable health insurance. These students can apply for either a student health insurance plan, or they can apply for an individual and family health insurance plan. Those students with dependents such as children usually opt to look into affordable individual and family health insurance plans.

But how can you find an affordable individual and family health insurance plan? After all, individual health insurance plans are notorious for being more expensive than the group health insurance policies you can get through your employer, right?

That’s true, but there are always ways to find an affordable individual and family health insurance plan.

Start shopping for affordable individual and family health insurance. Look around at a few insurance companies that offer individual and family health insurance plans. Check out the company’s ratings, what they’ll offer you with the plan, and then get some quotes. Talk to family members, friends, and co-workers who have experience with these companies and plans.

Never underestimate the power of freedom. Just about every state has some kind of free medical care service for children, even if they are already covered under their parents’ insurance plan. Once you purchase an affordable individual and family health insurance plan, you may be able to let your child or children use these free services for run-of-the-mill illnesses such as the common cold. This will help avoid making claims on your health insurance policy.

Don’t forget the tried and true. If you’re having difficulty finding affordable individual and family health insurance, remember, you can always: Join your spouse’s health insurance plan, check into state-sponsored plans such as Medicaid and Medicare and other health insurance programs specifically for children, or join an organization that offers health insurance plans to its members and their families

Secrets Of Low Cost Health Insurance

Not many people understand that purchasing a health insurance policy is a smart thing to do. Insurance companies have extended their business online and they are trying to highlight the advantages of taking such a decision.

The problem for most people is finding a low cost health insurance plan. There are various resources one can use and one of the most accessible is the Internet. Plenty of websites are ready to offer you precious information about low cost health insurance policies and also help you compare health insurance plans. All they are trying to do is to provide their services to you, hoping you will reach a better decision.

Purchasing a low cost health insurance policy doesn’t mean you will receive fewer medical services. On the contrary, the idea is to find a policy that can fit your budget but also your needs. Using the Internet to compare health insurance plans can help to make an idea about what an affordable health insurance policy refers to.

Some of the most common low cost health insurance policies cover for emergency situations, dental and eye treatments, medical visits and various medications. The Internet is ready to provide considerable data and can really assist one to compare health insurance policies. There are many reputable insurance companies trying to present their services online and this why it is for the best to do a complete research.

Shopping for health insurance can be sometimes a difficult task. It requires a lot of time and effort, not to mention extreme caution when it comes to picking out the perfect policy for you. There are a lot of factors to consider and before undertaking such a job, any person should do a careful analysis of his/her lifestyle and see what kind of policy is actually suitable.

Every insurance company that provides online various low cost health insurance plans takes into consideration the so called ‘risk factors’. They include: the person’s habits, health state, age, gender, marital status and the area where one lives. Perhaps the most important is the age as there are different requirements for certain ages.

It is wise to use the Internet in order to compare health insurance plans and choose a suitable low cost health insurance policy. By browsing several websites, you will discover that every company sees the ‘risks factors’ differently and thus the coverage offered is not the same. Experts working in the insurance industry recommend doing an extensive research for affordable health insurance and considering all the possibilities before selecting any plan.

There are people out there who are in need of constant health care services. For them, having a good health insurance plan is crucial as not all can afford to pay for these services. Still, a health insurance policy is a good idea for a healthy, young person also. No one can predict the future yet and one may find himself in the situation of needing health care and not being able to pay for it. One should try and prevent these situations from happening.

As a conclusion, it is important to understand the need for health insurance. It is some kind of a safety net and though sometimes it may seem totally unnecessary, there is no knowing what may happen. Use the Internet and convince yourself that you are making a smart decision.

10 Ways To Reduce Your Cost For Healthcare

After home and living expenses such as rent or a mortgage, for a good number of American families healthcare can be the next greatest expenditure, and for many a big part of that overall healthcare cost can be their health insurance premium. However, according to financial experts, when it comes to preparing your family’s budget, there are ways to reduce both your health insurance cost, and what you pay for healthcare in general. Whether you are shopping for the first time for health insurance, or are looking for a new plan to reduce your monthly payments, here are 10 suggestions that can lead to a lower health insurance quote, and more affordable healthcare:

1. Stop Smoking Depending on where you live you can save over $200.00 a month on the costs of cigarettes alone. As far as a health insurance quotes goes, non-smokers always pay significantly less than smokers for any policy. According to a recent study, even though smokers generally have a shorter lifespan than non-smokers, they pay a third more in overall healthcare than non-smokers throughout their lifetime.

2. Reduce Weight Again weight plays a significant factor when getting a health insurance quote, it’s a fact that if you are overweight you will pay more. Obesity is becoming one of the greatest drains on our healthcare system. According to a recent study by the Rand Corporation, being obese adds $395 each year to your average per-year health care costs, more than smoking (an addition of $230), aging 20 years ($225), and problem drinking ($150).

3. Get More Exercise While it may be hard to put a quantitative amount on how much you can save on a health insurance quote by exercising and getting in shape – regular exercise will not only reduce weight (see above) but can also improve cardio-vascular health and reduce other risk factors that lead to higher costs for health insurance and medical care.

4. Select a Higher Deductible – A higher deductible and higher co-pay will surely result in a lower health insurance quote, and may qualify you for a Health Savings Account (HSA) which can help defray the costs of the higher deductible.

5. Read and be Sure you Understand your Health Plan you would be surprised at how many consumers pay more for healthcare simply because the do not know the details of their own heath insurance plan.

6. Cheaper” isn’t always more Affordable” When it comes to a health insurance quote you must pick a plan that is right for you and your lifestyle. Cheaper doesn’t always mean more affordable in the long run. If you go for a health insurance quote with a smaller monthly premium, but if you have health problems and must make many doctors visits the high deductible or higher co-pay may cost you more in the long run. Choose a plan that is right for you.

7. Consolidate Your Health Plans if you and your spouse both have separate health plans you may save money by consolidating under a single plan.

8. Be Proactive and you can save money. For example know before you need them what if any ambulance services in your area are covered by your insurance, and when and if your regular physician is available after hours.

9. Be willing to Negotiate with Your Doctor most physicians will offer reduced or discounted rates to patients with no or limited insurance.

10. Reduce the costs of Prescription Drugs if you have heath insurance with prescription drug coverage, take advantage of the lower tier” by asking your doctor to prescribe generic drugs, even if you do not have prescription drug coverage look into the discount programs offered by many drug companies and retail pharmacies.

When You Need Short Term Health Insurance

Do you know how valuable health insurance can be? Are you aware of how much trouble you will be saving yourself from if you get an insurance plan today? Having health insurance means that your insurance company will be helping you pay for some of the expenses you may incur when you require medical attention. Some insurance plans take care of your hospitalization, your treatments, and also the medicines you will need.

Other health insurance plans cover for a certain amount, so you can go for regular doctor visits and checkups. If you will require tests as instructed by your doctor, health insurance should help you out. One of the benefits that working individuals receive from their employers is insurance. Most companies include their employees under a group health insurance plan.

What if you are unemployed, or if you recently resigned from your company? Will you still be insured? Unfortunately, you will not be included under the group health insurance plan as mentioned before. Of course, you will still need to be insured, because you can never tell when you might be in need of medical help. Then it is about time that you get short term health insurance for yourself.

Also, if you were a student, and you have been under a student health insurance plan during your four years in college or in the university, you will also need short term health insurance. When is this required of students? Some student insurance policies only cover the amount of time they spend in the academic institution, or a short period after they graduate. When this student graduates, and he or she is still looking for a job, he or she might not be covered under student insurance anymore. He will then need short term health insurance as well.

Short term health insurance is a very flexible policy to apply for, because you can determine the terms of your plan, may it be for a few months up to a year. Employees who are on strike from their company might also need short term health insurance, aside from graduated students or resigned employees.

Short term health plans are often geared toward the more healthy, and with a higher deductible you might find it useful in providing piece of mind during times when you’re between employer sponsored health plans. People not on the top end of the healthy spectrum might find it more difficult to find coverage, or to afford it if a carrier is willing to offer a policy.

Many people find short term health insurance to be a less expensive alternative to COBRA when they are between jobs. It is always a great idea to do comparison shopping and do a side-by-side evaluation of your COBRA policy with a short term health policy. One of the more noticeable differences in the coverage is the deductible, which is often significantly higher for the short term health plan, so people between jobs often consider the short term policy as a means to save money but still be covered in case of a major medical event.

One Size Health Insurance Does Not Fit All

Health insurance coverage and associated costs vary greatly based on whether the insurance is an individual policy (for the self-employed/unemployed), for a small businesses (from 2 to 50 employees), or for a large group. Coverage for group plans is far more comprehensive and considerably less expensive because there are more people paying into the insurance pool making more money available group-wide to cover medical claims.

The presentation of an article on health insurance plays an important role in getting the reader interested in reading it. This is the reason for this presentation, which has gotten you interested in reading it!

Suppressing our knowledge on health insurance is not our intention here. In fact, we mean to let everyone know more about health insurance after reading this!

There are no boundaries on countries for one to access information about health insurance through the Internet. All one has to do is to surf, and then the required matter is availed!

Those who try to get health insurance on their own, either because their employer does not offer this benefit or because they are self-employed or unemployed often have difficulty obtaining health insurance. Many simply cannot find an insurance company in their state that is willing to offer individual plans. Pre-existing conditions complicate this search and put individuals into a ‘high-risk’ category. It’s often the reason coverage is denied.

Do not judge a book by its cover; so don just scan through this matter on health insurance. read it thoroughly to judge its value and importance.

Those who are fortunate enough to find individual coverage don’t feel so fortunate once they review the policy details. They typically find that the cost is significant and the coverage less than desirable and loaded with out-of-pocket costs. Those who obtain health insurance on their own can usually purchase a family plan, but then the costs are even higher.

Those individuals who are employed by small businesses, defined as having more than 2 but 50 or fewer employees, also find themselves in a difficult situation when it comes to health insurance. If the employer chooses to, it may offer a group type of health insurance to the employees. When applying for coverage, the overall costs will be based on the number and physical condition of all the employees who wish to participate. High risk individuals and those with pre-existing conditions will bump up the costs for everybody. Even so, the costs for this type of coverage will usually be better than if each employee obtained an individual policy. Employers are not required to cover other family members and can choose the percentage of the employee’s costs that they will cover.

There are universal applications on health insurance everywhere. However, it is up to us to decide the way used for these applications to get the best results from them.

Group health insurance generally offers the best coverage at the most affordable price. Group insurance is available to all eligible employees of the company offering the health insurance and generally also to the employee’s immediate family members, including spouse and/or children. A group plan must accept every eligible employee even if the person has a known pre-existing condition and even if that person or his/her family members fall into a high-risk category.

Whether you need private health insurance if you participate in a group health plan is not an easy question to answer. To adequately assess this situation, you’ve got to review your group insurance coverage and compare it to what you need. Some group health insurance plans exclude certain medical services such as dental and vision care, experimental treatments, cosmetic surgery, some mental and substance abuse therapies, and more so you may find you need to complement your group plan with a private health insurance plan. In doing so, you’ll incur more costs so you’ll have to weight the additional benefits against the additional costs to see what makes sense for you.

Best Tips On Group Health Insurance

Perhaps many of you are wondering what a group health insurance policy really means. Well, the answer is not complicated at all! It is just an insurance coverage made by an employer or other authority that is meant to cover all individuals in a particular group!

A group health insurance gives an employer the advantage of not paying the whole premium for the insurance policy in order to cover his employees. In the past, an employer was expected to pay for all the benefits of the employees, but fortunately, now the times have changed and an employer only has to contribute just a part of the health insurance premium of the employees.

The general attitude of the insurance companies is to offer lower rates for a group health insurance than on an individual one. This is the main reason why people who are self employed to be aiming for a small business health insurance too. These persons cannot be blamed, even if they incorporate to give the insurance company the impression of a larger corporation, as they are only trying to get a good deal on their small business health insurance rates. The result is that each and every person struggles to get on an insurance plan, as a small business health insurance is very cheap when compared to individual health insurance.

It is a commonly known fact that group health insurance plans are very much appreciated by all the employees. This is the main reason why most employees value it very much too. A group health insurance policy or a small business health insurance has contributed to the success of many organizations. They have thus enabled them to continuously employ new people and, at the same time, keep the best people in their business!

No matter what group health insurance plans, service suppliers or a health maintenance plans that a company may offer, there are so many places where you can get informed about these things. You must carefully analyze the group health insurance quotes that a number of insurance companies offer, before deciding if there is something to suit your expectations.

In order to make the best decision regarding a group health insurance, a employer must study all the websites and brochures of the health insurance companies that the employer has selected and intends to engage. After comparing their service plans, costs and methods of payment, you must also keep an eye on the starting and ending dates of the insurance policies. The interesting, but disturbing thing is that some health insurance companies only cover you from your third payment, therefore you must be very well informed before making such an important decision.

Last, but not least, there is one more thing you’ll have to consider before choosing a group health insurance plan or a small business health insurance: should there be any services or illnesses that are excluded from the policy, it is best to know it from the start. This is the main reason why it is for the best interest of any employee to keep away from any group health insurance policy that only covers a small number of diseases.

When Shopping For A Health Insurance Plan

With all the Health Insurance options that are available to us it can be overwhelming finding right health insurance plans for ourselves. There are literally dozens of companies with hundreds of plans to choose from. We have to agree that the main reason for having Health Insurance is to protect ourselves from large unexpected medical bills. So when comparing medical plans that is the main thing we should be looking at. Since IRS says that number one cause of Bankruptcy in the United States is medical bills, specifically medical bills that are over $17,000. We will keep that in mind as we will looks all the factors of selecting right health plan.

Before we get into comparing plans there are three main plan options to choose from: PPO (Proffered Provider Organization), HMO (Health Maintenance Organization) and HSA (Health Saving Account). The simple way to understand the differences is keep this in mind; PPO plans will give the greatest flexibility and ability to choose your own doctor usually from a extensive network of doctors. Most PPO plans have reasonable monthly premiums and usually have a hospital deductibles ranging from $500 to $5000. We will get in to deductible and how they work later on. The simplest way to explain how HMO plans work is to think of a gate keeper system. That means that you get assigned to a specific doctor or medical office (Primary Care Physician) that you have to go thorough to get authorization to get medical care. Most HMO plans comprehensive coverage, small co-pays to go see a doctor and low deductibles ranging from $0 to $1500. HMO plans tend to cost more that PPO plans. HSA plan is a relatively new concept and becoming extremely popular. HSA plans work similar to PPO plan in a context that you can choose your own doctor from extensive list of providers. HSA plan have great advantages when it comes to low monthly premiums and ability to save money tax free for the medical expenses, in similar way to 401k or IRA accounts. The reason for low monthly premiums is that HSA plans have large deductibles usually over $2400. For more information on how HSA plans work and if it is a right choice for you visit www.GuideToHealthInsurance.org

Number one thing we should be looking at is what is called Maximum out of Pocket”, also might be called Yearly Maximum out of Packet”. What that means is that amount is the maximum you can be out of pocket in any given year for ALL the medical expenses combined. Most of the time that amount will exclude prescription drug coverage deductibles and co-pays. When you are comparing health insurance plans it is important to find out if everything in the plan is applied towards the Maximum out Of Pocket. Some plans that have attractive monthly premiums might have exclusions to where Maximum out Of Pocket” is applied only for the hospital stays. Most of the PPO plans have Maximum out of Pocket” range from $3000 to $9000. For HMO plans Maximum out of Pocket” ranges from $1500 to $4500. Most HSA plans have where your deductible is your maximum out of pocket.

Second we should be looking for a plan from a known insurance company name. There are a lot of large well established insurance companies that you might never hear of. Reasons for staying with a large well known insurance company are that you know they will pay your bills and not going to disappear. The other reason is that chances are most doctors will accept the insurance plan that they offer. I would definitely stay away from 99.9% of Association plans and small insurance companies with less than 10 billion in Assets. You can find that our by going to Forbes.com. To date largest insurance company that provides Health Insurance is Fortis and their health insurance plans are called Assurant Health”. Largest health insurance provider in the United States is Wellpoint serving approximately 34 million members nationwide. We all know them as Blue Cross and Blue Shield. Keep in mind that in some states Blue Cross and Blue Shield are owned by two completely different insurance companies.

Third we will be looking at the deductibles. There is a huge misconception with how deductibles work. The number one misconception with deductibles is that nothing is covered by the insurance company until this large deductible is met. The reality is that most plans cover most of the things before the deductible is met with small co-pay. In most cases deductible applies only for inpatient and out-patient hospital (surgeries, emergency room). Second misconception is that once deductible is met everything is covered 100% or in case of hospital stay all we will be responsible is the deductible. Although some plans do work that way, most health plans do not. Majority of health plans you are still responsible for, what’s called co-insurance. That meant that you are still paying percentage of the bill usually 30% up to you Maximum out of Pocket” as me mentioned earlier. That is why Maximum out of Pocket” is more important that the deductible. For example if you have a plan with a 2500 deductible and 30% hospital co-insurance, then you are responsible for 2500 plus 30% up to Maximum out of Pocket”. There are some plan today available that have no deductible and they are relatively inexpensive. Chances are those are the plans that have high Maximum out of Pocket” in most cases over 7500 per person. In case of a family of four in worst case scenario you could be responsible for $30,000. If there is no deductible it does not meat that everything is covered at 100%. The way plans with no deductible work is by having you pay a percentage of the bill starting with the first dollar. Percentage could range anywhere from 30% to 50%, again up to your Maximum out of Pocket” amount. The larger deductible you choose the lower monthly premium you will pay. My recommendation will be that you choose deductibles over 2500 unless you are planning on being admitted to the hospital often

A Guide To Travel Health Insurance

None of us want to think about all the things that can go wrong when we’re on that much needed vacation, but the truth is, many things can. You could become ill while away, or you could even get sick right before the long awaited day has arrived and not even board that pre-paid cruise ship at all. Travel health insurance is set up to protect you from all the above-mentioned occurrences and many more but before you purchase this type of health insurance, you need to know what it is and just what coverage to look for.

What Is Travel Health Insurance And When Do I Need It?

We consider that we have only touched the perimeter of information available on health insurance. There is still a lot more to be learnt!

Travel health insurance is an insurance policy that you can purchase prior to your departure that covers you for a variety of occurrences, whether medical or not, while you are away. This insurance can be pricy so you should take some things into consideration before you buy it. If you are going on a short trip that only requires one round-trip airline ticket of $250 then travel health insurance may be overkill. If you have booked a $5,000 once-in-a-lifetime cruise well in advance, then travel health insurance begins to makes more sense. You need to decide if the cost of the policy is worth it.

What Should It Cover?

Reading all this about health insurance is sure to help you get a better understanding of health insurance. So make full use of the information we have provided here.

People have an inclination of bragging on the knowledge they have on any particular project. However, we don want to brag on what we know on health insurance, so long as it proves useful to you, we are happy.

A good travel health insurance policy should offer you coverage for a number of things. First, you should be covered the entire time you are on your trip and at any destination. It should cover personal injury or death to you or anyone else named on the policy. It should cover the costs of all medical-related expenses you incur while on your trip. Travel health insurance policies can also cover you in the event you need to be evacuated due to a medical emergency.

Should you be visiting a third world country where medical experience and supplies are limited, make sure your policy covers any type of transportation to a more adequate country to receive proper medical care. If you travel often, you can purchase a multi-trip travel health insurance policy.

Where Do I Get It?

First, check into the coverage you are entitled to under your regular health insurance plan so you don’t end up paying more for coverage you already have. Once you know what you need, you can buy travel health insurance from your cruise line, travel agent, or an independent insurance agent. Although the independent insurance agents can be the most expensive, you don’t have to worry about your cruise line going bankrupt and not honoring your travel insurance