Get health insurance with the flexibility of cost and coverage.
Individual health insurance is an absolute must for individuals and families that don’t have access to employer-sponsored health insurance. 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.
At MSIG, 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 below today, and an MSIG insurance specialist will walk you through your options. If you already know what you want, buy a health insurance plan directly today!
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