When it comes to choosing a health insurance plan, you likely understand premiums. But that’s not all you need to compare when it comes to picking the best plan for your money.
We’re going to show you how to make sure you not only get an affordable plan, but how to get one that covers what you need.
Purchase your health insurance plan through an agent
Even though the marketplace looks like it’s easy to use and has tons of options, you can get lost in the numbers and not understand the coverage you’re getting. A licensed health insurance agent like the ones here at Expert Insurance Team are well-educated in the healthcare insurance world.
Plus, it’s not going to cost you anything to receive our help. We can also do an annual check to see if there’s a plan with better value out there and make sure the doctors you want to see are in the network of the plan (if it has one).
Don’t just compare premiums. Compare yearly healthcare costs.
Premiums aren’t the be-all and end-all.
Take into consideration the deductible, co-payments, and try to estimate how much healthcare you expect to receive in a year. We can, as well as the marketplace, give you a pretty good idea of your estimated yearly costs for you.
If you expect to have multiple visits to doctors and specialists, you may actually save more by paying a higher premium on your insurance because of the higher coverage and smaller co-pays. Or, conversely, you may not expect to need much healthcare and would benefit from a lower premium.
Again, a licensed agent will be able to help you figure all of this out. We will also look for any help and credits you can receive to save your hard-earned money.