Whether it’s your first time shopping for insurance or your 50th, you likely know that buying insurance as an LGBTQ woman isn’t always easy. However, by deploying a thoughtful shopping strategy, you’ll be well-equipped to find the right insurance for you. Here are some important things to keep in mind when you’re choosing an insurer.
Know If They Support You
Ever since the legalization of same-sex marriage, according to Journalist’s Resource, more and more LGBTQ women and men have health insurance and other types of insurance. However, this doesn’t mean that all insurance companies are supportive of non-heterosexual women.
If you want to make sure a given company supports you, look into both their history of LGBTQ support as well as any current statements of support. While it’s possible for some companies to suddenly become more supportive, it may be a better choice to select a company with a longer history of support for LGBTQ women.
You probably already do this in your day-to-day life. Especially if you live somewhere with an active LGBTQ community, you know that other community members can provide valuable information on available services. Whether you’re looking for a hair cutter that will offer non-traditional haircuts, a doctor who is knowledgeable about the issues lesbians face, or a health insurance company that will support you, try asking other community members. While it’s not usually wise to only rely on community recommendations, this method of investigation will work well alongside your own research.
Things to Keep in Mind
As you continue to shop for insurance coverage, keep in mind that, as a member of a marginalized community, you deserve to be protected. While some insurance companies honestly support the rights of the LGBTQ community, money is the main consideration for most. At the end of the day, as Craig Swapp & Associates says, insurance companies are not your friends or even deeply concerned about your well being. They are a for-profit business and will do anything to not have to pay out. By maintaining a realistic mindset when it comes to evaluating insurance companies, you’ll be more likely to find the right company for you.
Don’t Be Swayed by Rhetoric Alone
Whether it’s buying coffee or purchasing insurance, many people are easily swayed by a company’s claims about itself. However, Policygenius advises that you make sure you look at arguably the most important part of insurance coverage—how it benefits you. Make sure you spend time comparing monthly premiums compared with the actual health benefits you get. In some cases, shoppers pay too much attention to a company’s mission statement and not enough attention to the actual plans it offers.
Shopping for insurance as an LGBTQ woman is often a stressful experience, but there are steps you can take to reduce the mental toll it can take. By doing your own research, reaching out to others in the community, and keeping a level head when it comes to considering the priorities of insurance companies, you’ll be well on your way to finding the right insurance for you.
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