Health insurance is a very important and personal decision. Choosing between different health insurance plans isn't always easy. There is no one "best" plan for everyone. What is right for you and your family may not be right for someone else. To help you answer this question, here are four things to consider:
The state of your health - Do you have a serious chronic or pre-existing condition that could result in a very lengthy hospital stay? Or are you basically healthy, with a need for coverage when you are sick, have an accident, need a simple surgery or deliver a new baby? How often do you see the doctor each year? When was the last time you were hospitalized?
The state of your finances - How many times did you see the doctor last year and how much did you spend on premiums for health insurance? How much did those doctor visits really cost you? How much can you afford to spend each month pre-paying for health care you might not use? Is there a better way for you to get the coverage you need without going broke or cutting back on basic necessities?
Read the fine print. A benefit summary is an overview of coverage. The real meat is always in the Exclusions and Limitations. Make sure what you need is what you will get.
Always deal with a licensed health agent, broker or producer. The Department of Insurance demands that licensed producers tell you the truth about coverage, and leave nothing out. Call today to speak with one of our licensed insurance agents who can help you make this very important and personal decision. They'll be happy to answer all of your questions and help you enroll for the next effective date.
