Your Health 360º

family_poolProbably the hardest thing about choosing a health plan is that there are so many options. There’s a whole universe of language to navigate; that’s why we have a whole page devoted to frequently asked questions.

If you don’t find what you’re looking for there, call us. We’ll get the answer. Meanwhile, here are a few questions to help you decide which way to go in search of your new insurance plan.

  • How often do you go to the doctor? If you have frequent medical visits, you will want a plan that supplies you with doc visits for an affordable co-pay without having to meet a deductible first. If you don’t go to the doctor except for your annual visit, (the state mandates that insurance companies cover that annual visit without forcing people to meet a deductible amount)  you are a good candidate for a lower-premium, high deductible plan that entitles you to save money for medical expenses through a health savings account. Before you start choosing, there are a few more questions to ask.
  • Do you take prescription (Rx) drugs? If the answer is yes, you will want to explore whether you have Rx coverage in your plan for brand name meds. If you are on maintenance meds for an ongoing condition (like a thyroid disorder, diabetes, asthma) you need to be aware that the insurance companies look at these things as a higher risk for them. They are likely to give you a higher rate based on their theory that you are more likely to get sick than someone who doesn’t take Rx meds.

Use these pages as a guide to find the types of plans that meet your needs best. Life is too short to pay too much for more health care than you need.

Theme by Danetsoft and Danang Probo Sayekti inspired by Maksimer