In this changing time of health insurance our office specializes in providing you with clear solutions, and advising you of mathematically proven choices.
Good health is our greatest asset, and we must protect it. However, health care is very expensive. Even the most fundamental aspect of health care, prevention, is costly. Few of us can afford to pay the full cost of immunizations, screenings, and lab tests Treatment for common disorders like high blood pressure, elevated cholesterol, and diabetes require, at a minimum, expensive doctor’s visits and prescription medications. Treatment for chronic illness or disease is simply out of reach for most people.
Fortunately, health insurance is available to help you offset the high cost of caring for your health. Policies offer individual coverage as well as coverage for spouses and dependents (family coverage).
Policies differ, and they can be tailored to suit your needs and your budget. You will want to look closely at the factors that contribute to the cost of your coverage. Two things account for your cost – the premiums you pay and cost sharing.
Cost sharing takes the form of:
Another major consideration when choosing an individual or family plan is the way in which you obtain services – through managed care or a fee for service arrangement. Managed care plans enter into contracts with health care providers and medical facilities to provide care for members at reduced costs. These providers make up the plan’s network.
Managed care plans may be:
Fee for service arrangements, or indemnity plans, pay all or part of the cost of services you use. You will be provided with a list of covered services, for example, office visits and hospital stays, and limitations or exclusions. You can choose any licensed provider you want. There is no network. The plan pays the provider or reimburses you when you file a claim. Indemnity plans can still be found but are very expensive because they have few restrictions.
Dental and vision coverage may be available under individual and family plans. Both emphasize preventive care. Dental insurance generally pays most or all of the cost of routine dental visits and procedures like cleaning, exams, and X-rays. Other services are provided at a discount. Vision insurance usually covers the cost of regular eye exams. Prescription glasses, eyeglass frames, and contact lenses are covered with a copayment.
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Today’s individual and family health insurance products can be complicated. Contact us so we can help you make wise coverage decisions.