LOOKING FOR INSURANCE FOR YOURSELF OR YOUR FAMILY?
Here are a few things we think you should consider:
Which type of plan will work best for your needs?
Are your doctors and medications in-network?
Ensuring that your preferred doctors and medications are covered in-network is crucial when selecting a health insurance plan. In-network providers have pre-negotiated rates with your insurance company, which means you will pay less out-of-pocket for visits and treatments. Moreover, out-of-network care can be significantly more expensive and may not be covered at all. Checking if your current medications are included in the plan's formulary is also essential to avoid unexpectedly high costs or the inconvenience of switching prescriptions. We discuss preferred doctors and medications with every potential customer and help them choose a plan that includes their trusted healthcare providers and necessary medications, guaranteeing better continuity of care, peace of mind, and substantial cost savings.
What are your out-of-pocket costs?
Understanding the various components of health insurance is essential to making informed decisions. Deductibles are the amount you must pay out-of-pocket before your insurance starts covering costs for services UNLESS your plan offers pre-deductible copays. Copays are fixed amounts for specific services like doctor visits or prescriptions. Coinsurance is your share of the costs for services, calculated as a percentage of the total charge after meeting your deductible. Finally, the out-of-pocket maximum is the most you'll pay in a policy period (usually a year) for covered services, including deductibles, copays, and coinsurance. After reaching this maximum, your insurance covers 100% of eligible expenses. These elements work together to balance your upfront costs and potential expenses throughout the year.