SEVEN things you should know about health insurance
Fact #1—A “comprehensive plan” with doctor office coverage, “wellness” coverage, RX drug co-pays (covering every sniffle, hiccup and nosebleed) simply drives up your monthly premium from 25%-50% more each month than a “catastrophic plan.” How many “sniffle visits” would that premium savings buy in your household every year?”
Fact #2—Taking a higher deductible rather than a lower deductible usually
makes economic sense if you are relatively healthy. Take the difference and
put it in the bank. Establish a Health Savings Account (HSA) and save on your taxes as well.
Fact #3—Buying from a “Popular Big Name” insurance company may not be
the best decision you ever made. They are only popular because of a multi-million dollar advertising campaign. Who do you suppose pay’s for those TV ads?
Fact #4—Contrary to popular belief, “Group Insurance” is usually far more costly than “Individual Medical Insurance.” If you qualify, purchase your own permanent, portable individual plan with just the features and options you want and need. An agent can help you decided the plan that is right for you and your family. Having an agent does not cost you any extra premium dollars the rates you pay are the same as going direct to the insurance company.
Fact #5—Using an HSA (Health Savings Account) is far simpler than most people think. Why not pay for your out of pocket expenses tax free with a short dollar?
Fact #6—Not all “insurance agents” specialize in Health Insurance. Are you
getting the policy that is best for you or the one that is easiest/best for your insurance agent?
Fact #7—Don’t fear whether “your doctor accepts this insurance” or not. Every reputable insurance carrier on the market today uses a PPO network (Preferred Provider Network) which makes it a matter of legal contract that if you are “in network” you are covered. Period
For further information from an agent you can count on, to tell it like it is call Spencer Biegel at Alaskan Benefit Insurance Consultants 907-243-1488 or complete the form for your no obligation comprehensive comparison.
