The initial step in finding low cost health insurance cover is of course to do your homework and look for a health insurance plan which suits your needs and which comes in at a price which you can afford. In a lot of cases this will mean first considering any plan offered by your employer which will frequently provide you with health insurance cover at the best price cost but which may not automatically provide you with the cover you would wish to see or cover other family members. For other people the search for a suitable health insurance plan will begin by sifting through the wealth of plans on offer from a whole host of health insurance companies these days.

Your second step is then to make an application for cover and this means starting by gathering together all of the necessary information for your application including such things as details of your present or most recent health insurance plan, the name and address of your family physician and the dates of any recent medical treatment in case these are needed when you fill out your application.

Should you have decided to opt for the health insurance scheme offered by your employer then there is often a waiting period before you can join the plan, though this should not stop you from starting the application process. The application procedure for an employer's group health insurance scheme is normally fairly simple as the majority of plans will allow eligible employees to enroll regardless of such things as your current health or any pre-existing conditions.

Your employer will usually provide you with an enrollment form and you will have to fill in your personal details including such things as your social security number, address, and any family members who will also be covered by the plan. You will also need to include information about your employment like the date on which you began your employment and, if your employer's health insurance plan allows you to do so, the form of health insurance cover which you want from the scheme. You might also be asked to provide details of any previous health insurance coverage including the name of the insurance company and your plan number but you will not have to submit to a medical examination.

Should you be applying for personal health insurance cover then the procedure will be very much the same but you may not have someone to help you in processing the paperwork. Having said this, in many cases insurance companies will send an insurance agent to explain the application form to you and to help you in processing the paperwork on request.

Nowadays the procedure involved in applying for health insurance cover is so easy that many people are choosing to apply for cover online. Here, you merely have to drop by the health insurance company's website where there will be an application form in a protected area of the site. Once you have filled out the necessary details you merely click on the submit button and your application will be processed by the insurance company.

If in these days of growing fraud you are not comfortable with giving personal details through the Internet then merely telephone the insurance company and ask them to send out the necessary application form which can then be returned in the normal way through the post.