Do not approach health insurance with fear. It is true the field is complex and your options are many, but the more you learn, the safer you will feel. Health insurance is similar to healthcare itself. An ounce of prevention is worth a pound of cure. By making smart choices when you select health insurance, you can avoid difficulties in the future.

Your choice of health insurance hinges on what it covers. Having incidents like these covered by your health insurance can help you bear any resulting downtime.

Individual policies may have higher expenses than those offered by group plans. You may find yourself needing to plan for a higher deductible or reduced coverage to bring your policy cost down. Shop around, and compare plans to find the best rates and coverage.

Check with your company's human resources department to see if you qualify for a wellness program for employees. Some companies offer discounted gym memberships and reduced rates for preventative medical care. Joining certain fitness programs may help your company pay less for its insurance coverage.

Examine your prescription drug coverage on a yearly basis. Prescription coverage is subject to change in most insurance policies. You should double-check all terms so you don't get surprised after you've renewed your coverage. If a medication you rely on daily is not covered anymore, you may need to find a new insurance carrier.

When you are filling out your application with the insurance company over the phone, make sure that you are only providing them with the information that they request. Only answer the questions they directly ask you. If you give them additional information they did not ask for, they will record it, and could find a way to raise your rates or possibly deny you for coverage.

Do not volunteer personal information to health companies who call to solicit services or ask for applications. Give direct answers to their questions and nothing more. Any extraneous information tha