Health Insurance Hunter

Quick question to those of you with health insurance: Off the top of your head, what are your monthly premiums and annual deductible?

If you don't know these 2 things, then how well do you actually know your policy? Are you actually covered? Do you know your agent's name? Do you even have an agent? Wouldn't you feel better knowing the answers to these questions?

We are just about 2 weeks into open enrollment, have you found the right health care plan for you/your family? Are you sure? The ACA has greatly increased the prices for monthly premiums AND the annual deductibles, while also somehow increasing subsidy amount. That money has to come from somewhere, and there is no guarantee that they will continue offering throughout the entire year. Don't get stuck with high monthly premiums AND an outrageous deductible. There are nationwide PPO plans with NO annual deductible and aren't subject to the whims of the government. Schedule a time to see just how much you could be saving each month, while also increasing your coverage:

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Open Enrollment is just around the corner! Don't get caught up in it and end up with the wrong coverage for your situation. A few things to remember while picking a health insurance policy:

Be sure that whoever you are dealing with, is a licensed agent. There will be tons of telemarketers, short-term agents, and scammers calling this time of year.
Know what type of network you will be on. HMO/EPO will be zip code based. Meaning, that if you travel outside your zip code for treatment, your visit will most likely be considered out-of-network. PPO networks offer the greatest coverage of the options and are accepted in most, if not all, states.
What is the annual deductible? Even if you find a plan that only costs you $100 a month, but has an $8,600 deductible, you will be paying for EVERYTHING out-of-pocket until that deductible is met. You will be paying almost $10,000 EACH year, before the plan starts paying any benefits. An option with a $300/month premium but NO deductible would save you thousands each year, comparatively.
If you are uncertain if a plan is a good fit for you/your family, please reach out and we can take a look at it together. We can also compare any current plans to what all is available both on and off the public marketplace. Don't get stuck this open enrollment paying for a plan that doesn't offer you the coverage you need.

Sorry for the short hiatus, I’ve been busy with this amazing little addition to our family, Eden Rayne Hickox. I’m back in the office now, ready to answer any insurance questions you may have and help you find the best coverage for you and your family.