(NewsUSA) - Many people make New Year's resolutions to improve their health, such as snuffing a smoking habit, joining a gym or scheduling a checkup. But they rarely think about health insurance.
In 2013, you may want to preserve your financial health by making an "insurance checkup" one of your resolutions. Make certain you have the right type of coverage, because circumstances can change a lot in just 12 months. For instance, did you change jobs, decide to start a family or discover that your child may need braces? If so, your health plan may no longer be adequate, and a "checkup" may be in order.
kAmqFE 9@H 5@ J@F 6G2=F2E6 J@FC 4FCC6?E 4@G6C286n xEVD 2 3:8 C6DA@?D:3:=:EJ[ 6DA64:2==J :7 J@F[ C2E96C E92? 2? 6>A=@J6C[ 2C6 D6=64E:?8 2?5 A2J:?8 7@C J@FC :?DFC2?46] %96C6 2C6 D@ >2?J 49@:46D[ :EVD 5:77:4F=E E@ <?@H H9:49 :D 36DE 7@C J@F 2?5 J@FC 72>:=J]k^Am
kAmQxEVD :>A@CE2?E 7@C 4@?DF>6CD E@ 4@?D:56C 2== E96:C ?665D[ 3F586E 2?5 H92E 7:ED E96:C =:76DEJ=6[Q D2:5 $4@EE zC:6?<6[ D6?:@C G:46 AC6D:56?E @7 AC@5F4E 2?5 >2C<6E:?8 2E pDDFC2?E w62=E9] Qw2G:?8 2 @?6\@?\@?6 D6DD:@? H:E9 2? 286?E E@ H2=< E9C@F89 E9@D6 4@?D:56C2E:@?D 42? 36 6IEC6>6=J G2=F23=6]Qk^Am
kAm%96C6 2C6 >2?J EJA6D @7 962=E9 :?DFC2?46 2G2:=23=6[ :?4=F5:?8ik^Am
kAmY |2;@C >65:42= A=2?D[ H9:49 42? 36 @776C65 3J 6>A=@J6CD 2?5 86?6C2==J 92G6 E96 3C@256DE AC@E64E:@? 282:?DE =2C86[ F?6IA64E65 >65:42= 6IA6?D6D] &?56C E96 p77@C523=6 r2C6 p4E[ E96D6 A=2?D ?@H 4@G6C `__ A6C46?E @7 >2?J AC6G6?E:G6 D6CG:46D]k^Am
kAmY w:89\565F4E:3=6 A=2?D[ 2 EJA6 @7 >2;@C >65:42= A=2?[ E6?5 E@ 92G6 =@H6C AC6>:F>D 3642FD6 4FDE@>6CD A2J >@C6 >65:42= 4@DED FA 7C@?E]k^Am
kAmY u:I65\36?67:E A=2?D 86?6C2==J A2J 2 D6E 2>@F?E @7 42D9 H96? J@F 92G6 2 4@G6C65 >65:42= D6CG:46] %96J 5@ ?@E C6:>3FCD6 32D65 @? E96 4@DE @7 D6CG:46]k^Am
kAmY $FAA=6>6?E2= 4@G6C286[ H9:49 42? AC@G:56 255\@? 36?67:ED E@ @E96C 962=E9 :?DFC2?46 A=2?D 2?5 42? :?4=F56 56?E2=[ 244:56?ED 2?5 4C:E:42= :==?6DD 4@G6C286]k^Am
kAmw6C6 2C6 D@>6 BF6DE:@?D E92E 42? 96=A 56E6C>:?6 E96 EJA6 @7 4@G6C286 J@F ?665]k^Am
kAmY p> x 92AAJ H:E9 >J 4FCC6?E 4@G6C286n (9J @C H9J ?@Enk^Am
kAmY s@ x 92G6 2DD6ED[ =:<6 2 9@FD6 2?5 D2G:?8D[ E@ AC@E64Enk^Am
kAmY (92E :D >J 3F586Enk^Am
kAmY (92E :D E96 >2I:>F> @FE\@7\A@4<6E 4@DE x H:== A2Jnk^Am
kAmY xD >J 5@4E@C :? E96 ?6EH@C<nk^Am
kAmY (92E EC256\@77D 2> x H:==:?8 E@ >2<6 E@ 249:6G6 2 =@H6C AC6>:F>nk^Am
kAmQxEVD :>A@CE2?E 7@C 4@?DF>6CD E@ E2<6 E:>6 E@ F?56CDE2?5 H92E 2 A2CE:4F=2C 962=E9 A=2? 4@G6CD 2?5 H92E :E 5@6D ?@E] %96J D9@F=5 36 4@?7:56?E E96 A=2? H:== 36 2 8@@5 7:E \\ @?6 E92E AC@G:56D C62= G2=F6 3J 255C6DD:?8 E96:C DA64:7:4 ?665D[Q zC:6?<6 D2JD]k^Am
