If you belong to a professional or trade organization, find out what benefits it offers to members. Generally, the more that is required to join an association, the more likely the association offers benefits to members.  For example, you are more likely to find health insurance offered to members of a bar association for lawyers than a looser association of people who only come together because they all play cards.

If you don't belong to such an association, but are eligible to join one, it could be worth the effort to find out what benefits are offered to members.

If the association has health coverage:

• Find out what health condition and other qualifications are necessary before you join.
• Also find out about whether there is an exclusion for pre-existing conditions -- and, if so, how long it lasts.
• When thinking about the cost of premiums, include the cost of dues for admission into the association.

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