Get health insurance with the flexibility of cost and coverage.
If you don’t have employer-sponsored health insurance, or if you’re self-employed, getting individual health insurance for you and/or your family is an absolute must. Don’t panic about the costs; plans can be cheaper than you expect if you shop around, and you’ll often have a lot of flexibility when it comes to balancing premiums and coverage.
We’ll help you sort out the confusion of co-pays, coinsurance, and other considerations and create a policy that fits your life.
What should you consider when choosing a health insurance policy?
Depending on your health level and appetite for risk, you can often find a policy and price that’s just right for you. The four big variables to watch out for are:
- The deductible (how much you pay out-of-pocket before the insurer starts paying).
- Co-payments (the percentage, if any, that you pay toward each medical or hospital bill, with the insurer picking up the rest).
- Any annual limits on the total amount the insurer pays.
- Exactly which medical services, treatment, and drugs the policy covers.
Preventative care is typically taken care of.
When offering health insurance, insurers have a particular interest in making sure you stay healthy. That means they’ll often pay up to 100 percent of the costs of preventative healthcare, covering things such as checkups, screenings, and vaccines.
Health insurance is certainly a complicated topic, so if you want to find out more about getting the ideal plan, request a free health insurance quote today.
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As an independent agency, we are here to help you find the right coverage.
