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Understanding Health Insurance

In the area of Health Insurance the most obvious problem today is affordability. There are currently 43.6 million Americans without health insurance, mainly because of cost. Each year an estimated 18,000 people die in this country because they lack coverage. The real tragedy is that affordable health insurance does not have to cost a lot of money. Get FREE quote now!

GETTING THE VALUE - Here's what to look for:

THE DEDUCTIBLE - the amount you pay in a single year before the insurance company begins to pay. The lower the deductible, the higher the premium, (the amount that you pay each month.)

COINSURANCE - the ratio (100%, 80/20, 50/50, etc.) by which the insurance company and the insured share payment for eligible expenses after the deductible is satisfied. With regards to "individual" insurance, the most common arrangement is 80/20 with a $5,000 "stop-loss" or coinsurance amount.

LIFETIME MAXIMUM or CAP - the most that the plan will pay out in benefits over lifetime of each covered person. You should be covered for at least $2 million in total bills over your lifetime. But be careful! With a seriously disabling illness or accident, you could spend $2 million in no time! Most plans pay up to $3 million. Be cautious of the dangerously misleading policies that promote $5 million total lifetime, but tap out at only $500,000 per accident or illness - any expenses over that are totally yours! In fact, you would need at least 10 separate medical catastrophes to ever approach $5 million!

COPAYMENT - a relatively small amount you pay, usually for doctor's office visits, wellness exams, and outpatient prescription drugs - without first having to satisfy your deductible. These co payments typically range from $10 to $50 for network doctor visits and have per visit and/or annual limitations. Outpatient prescription drug co-payments are commonly $15 for generic drugs, with hefty penalties imposed on brand name purchases. The co pay "benefit" is either "built-in" or offered as an optional add-on to the major medical coverage.

Selecting The Right Agent: Our team of brokers will assist you regardless of where you call home. They will even review your current policy and answer any questions you may entertain. Learn more, request our newsletter today.