HEALTH INSURANCE THAT FITS YOUR NEEDS
Your insurance needs vary throughout your lifetime depending on many factors including employment, whether you have children, if you are are aging or have aging parents, and much more.
INDIVIDUAL & FAMILY
Health insurance helps cover the cost of planned and unexpected medical expenses for you and your family. We know that choosing the right insurance plan can feel high-stakes, so we walk you through the pros and cons of each plan to help you make the right decision for you and your family.
ANSWERS
TO COMMON QUESTIONS
- Accidents or health problems can happen at anytime
- Medical expenses can be extremely high, which can be detrimental to your finances
- Cost. Does the monthly premium fit within your budget?
- Is the insurance company credible?
- Do your providers take the insurance?
- Does it cover your prescriptions?
- Open enrollment: Nov 1 – Dec 15
- Special enrollment: outside of open enrollment you can only sign up for health insurance if you have had a life qualifying event within the last 60 days. Some examples include
- Changes in the household, got Married and conceived or adopted a baby
- Loss of health coverage (from divorce, loss of job or death in the family)
- Change in residence – moved from a different state or county with different health insurance providers
Contact us! There are several ways you can sign up for health insurance and we can help.
- Premium – the amount you pay for your health insurance monthly
- Deductible – the amount you have to pay for health care before your health insurance starts to pay
- Co-payment – flat dollar amount you will pay for certain health services
- Maximum Out of Pocket Costs – The maximum amount you will pay for covered service in a benefit duration (usually a year). This does not include your premiums, services not covered and a few others.
- Coinsurance – is a percentage you are required to pay
