Keys to Selecting Your Individual Health Plan

Healthcare reform still has created many questions and concerns for individuals. When considering health insurance, you want the most coverage for you and your family. We can provide you with guidance and support in selecting a plan that is best suited for you. We have identified many factors for you to consider when selecting an individual plan.

There are plenty of health plans available directly from insurers, without going through a marketplace.

How To Select Your Individual Health Plan

  • Use an independent agent – We have access to many markets and special programs. This would include coverage under the healthcare reform.
  • Look at several plans- Each plan offers different levels of coverage.
  • Consider any dependents- If you have children under age 26 without health insurance coverage through an employer; the law permits them to be on your insurance.
  • Review providers in the network- You may want to make sure your primary care physician is in network.
  • Determine what you need vs. what you want- Determine what you need and focus on that.
  • Consider deductibles- Plan premiums can vary with high deductibles; this may save you considerable dollars.
  • Make sure your drugs are covered. You’ll want to make certain that the plan’s formulary, or list of covered medications, includes those you regularly take, especially if they are expensive.
  • Don’t just look at premiums. Figure in other out-of-pocket costs you will face and compare these within each plan. Finally, you should expect your agent to continue advising and helping you even after you purchase a policy. It does not cost you any more to use our services, so call us today

Health Insurance may be purchased in conjunction with more specific insurance coverage options, including disability insurance, critical (catastrophic) illness insurance, and long-term care insurance.  For our clients approaching (or over) the age of 65, we can help with Medicare questions, Medicare Supplements, and Part D Rx plans.