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Finding Quality Coverage that is Affordable
Often, we see people that are paying ridiculously high premiums for their health insurance. Their mindset is that if they find a lower cost policy, they will sacrifice coverage. This simply isn’t true. There are many individual and family health insurance plans available that offer quality, comprehensive coverage at a reasonable price.
Regarding Price: Health Insurance premiums are regulated by the state Department of Insurance. Therefore, the premium you pay will be the same whether you use our agency, buy online, or go directly through the health insurance company. It is impossible to find lower rates for the same plan somewhere else. This means that you can take advantage of our health insurance expertise and service without any additional or hidden fees.
The Underwriting Process
Every insurance company’s underwriting practices are a little different. Something as simple as a high blood pressure medication or a cholesterol medication can make a big difference in determining your premium as well as which insurance company is the best one for you. Because of our 20 years of experience, we will recommend the company that’s most likely to accept you.
Understanding the Coverage
Individual and family health insurance plans can be confusing. There are many differences between policies, such as provider networks, out of pocket costs, what expenses are or are not covered. Frequently, we talk to people that bought the “cheapest” policy they could find online (or elsewhere), not knowing what was covered until they had a claim. That’s when they discovered the many holes in their policy. It is important to know how your coverage works, what is covered and what is not covered, and what your out of pocket costs can be.
Keeping Your Doctor
Most quality health insurance plans do have a preferred provider network (PPO). Because we only do business with quality, reputable companies that use the largest, most widely accepted networks available, keeping your own doctor is rarely an issue. Please visit our Provider Networks page to see if your doctor is included.