If you have ever been sick or injured, you know how important it is to have health coverage. But if you're confused about what kind is best for you, you're not alone.

What types of health coverage are available? If your employer offers you a choice of health plans, what should you know before making a decision? In addition to coverage for medical expenses, do you need some other kind of insurance? What if you are too ill to work? Or, if you are over 65,will Medicare pay for all your medical expenses?

These are questions that today's consumers are asking; and these questions aren't necessarily easy to answer.

This booklet should help. It discusses the basic forms of health coverage and includes a checklist to help you compare plans. It answers some commonly asked questions and also includes thumbnail descriptions of other forms of health insurance, including hospital-surgical policies, specified disease policies, catastrophic coverage, hospital indemnity insurance, and disability, long-term care, and Medicare supplement insurance.

While we know that our guide can't answer all your questions, we think it will help you make the right decisions for yourself, your family, and even your business.

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Admiral Health Insurance Services is a business-to-consumer insurance agency that delivers Web-based, insurance information to individuals, families and small businesses who are in need of insurance information. Admiral Health Insurance Services integrated suite of online services facilitates a comprehensive search and review of leading insurance companies.

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