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You feel a bit ignorant on the subject of health insurance? Do not worry, most of us avoid the whole subject until we are faced with a burning need to shop for a new policy ... and even if we then because we're intimidated by the language. But if you take a minute to review the wording of health insurance, you will find most of the terms are really just common sense. Let's take a quick look:

1. Free. This is the amount you are required to pay before the benefits of your health plan may be used. Usually expressed as an annual amount, the excess is reduced gradually as you incur medical expenses throughout the year, then it is restored in its entirety at the beginning of each year. If your insurance covers your family and yourself, each member of the family will be used subject to a deduction separately. Tip: If you used your total exemption for the year, trying to cram all elective medical treatment before the end of the year.

2. Co-payments. In addition to your deductible, you can expect to pay for part of certain medical treatments or prescription drug expenses. When you shop for health insurance, whether the policy provides access to basic medical services such as doctor visits each year, a little pay dues, even before the deductible is fulfilled. This is a pretty standard feature of most health insurance plans.

3. Out-of-Pocket. As its name suggests, these are the medical expenses you pay yourself. It includes deductibles, copayments, and any medical expenses that exceed the benefits offered by your policy. Many health plans include an annual ceiling on expenditure out of pocket, which limits the total cash payments that you have to do - except for premiums paid for the policy itself.

4. Maximum lifetime. Most insurance policies limit the amount of benefits that the insured can receive over the lifetime of the policy. Each family member who is on the policy may be subject to a maximum term of life of its own, and there may be a lifetime maximum total applied to the whole family.

5. Exclusions. Each health insurance will no doubt make a number of medical expenses that are excluded (not covered) by the insurance company. These exclusions can vary greatly between insurance plans, but may include experimental treatments, cosmetic surgery, or private nursing home, and much more. You may be able to buy a rider or separate policy that covers some of these benefits, particularly dental and vision coverage for maternity, but it is important to be aware of all the exclusions before of health insurance.

6. Pre-existing conditions. This could well be the most common exclusion in a policy of insurance typical. You will generally be required to disclose any prior medical diagnosis or treatment when applying for a new health plan, and most insurers will not provide health benefits that existed before the new plan.

7. Waiting period. Most health insurers require a 30-90 day waiting period from the date of commencement of your new plan before it starts offering its services. This means that you (or your insurance company before, if your old plan is still in force) are responsible for all medical expenses until the waiting period has expired.

Hint: It's a good idea to keep your old policy active while you are shopping for the new policy, and until such waiting period has expired, even if it means you pay the premium for policy provided by a previous employer.

Now that you're a little more familiar with the language of health insurance, you're ready to start shopping and comparing quotes for a plan that best fits your needs. For multiple quotes online before.