Making healthcare decisions for you and your family can often be time consuming and stressful! Most of us are found googling and researching and comparing and analyzing until the wee hours of the night, only to question your entire search in the morning. Don’t fret; you don’t have to figure out your options on your own — that’s what we’re here for!
Today I wanted to discuss three important things to consider when researching or choosing your health insurance plan:
Monthly Income
Now more than ever families are more concerned with their budget and income and what they can afford to pay monthly for a health insurance premium. Once you’ve calculated how much you can set aside for a plan each month, then we can take over and start looking for plans within your budget. Be sure to reach out to one of our agents to see if you can qualify to save on monthly premiums!
Providers/Network
Finding the right doctor or hospital that you feel comfortable with is as important as finding a plan within your budget! It takes time to find the right doctor and/or hospital, so be sure to look up your doctors and hospitals to make sure they will be in your new network. But it doesn’t stop there — double check your medications are also covered on your new network as well! With Medicare Advantage, remember the network is limited and many providers do not take it. However, with Original Medicare (Plan G), you’re able to go anywhere and choose any doctor/hospital.
Healthcare Needs
Lastly, you’ll need to consider your overall health — how often do you go to the doctor/specialists? Do I need a plan to cover my many prescriptions? Will I need frequent visits to labs for bloodwork, x-rays, etc? Once you’ve assessed your needs, we can help you sift through the options to find the right plan for you.
Remember if you’d like to avoid the stress altogether, you can always reach out to one of our agents and we’ll be happy to help you! We will be sure to help you keep your preferred doctors/hospitals/specialists while staying within your budgetary needs. We will comparison shop to ensure you’re receiving the best care at the lowest price possible. We pride ourselves in offering the highest quality of customer service — call us today and one of our expert agents is ready to help!
