Contact Us
If you don’t get healthcare coverage through your employer, or if you’re self-employed, individual health insurance is an absolute must. Don’t panic about the costs; plans can be cheaper than you expect if you shop around, and you’ll often have a lot of flexibility when it comes to the balance of premium costs and coverage.
The four big variables to watch out for are:
- The deductible (how much you pay out-of-pocket before the insurer starts paying)
- Co-payments (the percentage, if any, that you pay toward each medical or hospital bill, with the insurer picking up the rest)
- Annual limits on the total amount the insurer pays
- Exactly which medical services, treatment and drugs the policy covers
Depending on your health level and appetite for risk, you can find a policy and price that’s just right for you.
When offering individual health insurance, insurers have a particular interest in making sure you stay healthy. That means they’ll often 100 percent of the costs of preventative healthcare, such as checkups, screenings and vaccines.
Health insurance is certainly a complicated topic, so if you want to find out more about getting the ideal plan, contact us today.
