Health Insurance where can I Begin when people call me to get a quote, they are so clue less about what health insurance or life insurance is. I will guide you to know a little bit of the difference Health Insurance will cover for doctor’s appointments Operations and sickness, Some life insurance will pay only if you die ( noy be dramatic ) but there is many different form of life insurance.
Now lets go back to the health insurance right now in USA we have a subsidy from the government that helps you pay for your health insurance we call this Obama Care, now this subside (help from the government ) is money that they will give you depend on your income. You have to make an application online you can use our secure system and we can guide you in the right direction, if you don’t apply for this subsidy because not everyone does there are other options we can find for you so we are not limited to write through the market pace we have a wide variety of companies, now coverages in a health insurance is always complicated but we try to make it easy for you.
Important definitions to know
1. Deductible the part that you are responsible for before insurance starts paying
2. Out of pocket: the maximum in $$ that you will pay in insurance after the deductible in a year in copays and coinsurance.
3. Copayments: is a flat fee that you pay on the spot each time you go to your doctor or fill a prescription
4. Coinsurance is a portion of the medical cost you pay after your deductible has been met. Coinsurance is a way of saying that you and your insurance carrier each pay a share of eligible costs that add up to 100 percent.
5. HMO, PPO, EPO (insurance network) these are the insurance network it depends on you network were you can go see a doctor or hospital were you can have services reindeer. Some networks are bigger than other, and some networks might include some hospital and others not that’s why is important to know all these things.
This are The Things we should look out in a health insurance.
The lowest the deductible the less you are likely to pay on a event of a accident or sickness. Something I always tell my clients its watch the out of pocket this amount you wont have to pay at one but if you had some visit to the er or had an operation the price of the insurance can be very high. We also have insurance to help you pay for deductibles and coinsurance for as low as 25$ but you can ask me about the supplemental insurance later.
We As human beings we think we are immortal and that nothing will ever happen to us but I don’t sell insurance for the people to get sick I sell the insurance to protect the people from going into financial hardship because of a sickness, insurance can protect your savings and your health(because you will be less worry ) not to mention your kids and family.
The best Thing to is call an agent we can gladly help you and explain all this in a form you can understand and be aware of how much you will pay for insurance in case of a sickness, And if you don’t feel like talking to anyone visit our website to apply https://www.healthsherpa.com/?_agent_id=svetlana-forkin-zlqyhq
Hopefully we help you answer some questions you had!
Thanks for reading!
F&n Insurance Group.