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The concept of how a health insurance policy works is fairly simple. First, of course, you buy the policy directly through an experienced broker or a reputable recognized website. Federal tax credits may help reduce your costs with Exchange plans. (Starting in 2014, each state will set up an "Exchange" which will be one way to purchase coverage)
You select benefits and the price. Once you are treated for a sickness, accident or ailment that is covered by your policy, the insurer pays the provider the stated or agreed amount of benefit.
There are many different types of coverage, including comprehensive, catastrophic, HSA, short-term and student plans. An experienced broker or reputable website can provide detailed information including rates from multiple carriers.
Insurance Advisor, Lordship Insurance Services, California
Each carrier that offers health insurance has a plan which includes such things as;
1) Benefits - what they will and will not cover
2) Deductible - what you will need to pay before the benefits kick in
3) Co Insurance - what portion you will be responsible for outside of the benefits you receive from the insurer
4) Cost - how much the policy will cost you on a monthly, quarterly or annual basis
There are a lot of factors involved in choosing an insurance policy that is best for you and your family. Contact a Health Agent and discuss your needs, budget and what you want in a policy. You can also access online sites to put in your info and get a quote.
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You select benefits and the price. Once you are treated for a sickness, accident or ailment that is covered by your policy, the insurer pays the provider the stated or agreed amount of benefit.
There are many different types of coverage, including comprehensive, catastrophic, HSA, short-term and student plans. An experienced broker or reputable website can provide detailed information including rates from multiple carriers.
1) Benefits - what they will and will not cover
2) Deductible - what you will need to pay before the benefits kick in
3) Co Insurance - what portion you will be responsible for outside of the benefits you receive from the insurer
4) Cost - how much the policy will cost you on a monthly, quarterly or annual basis
There are a lot of factors involved in choosing an insurance policy that is best for you and your family. Contact a Health Agent and discuss your needs, budget and what you want in a policy. You can also access online sites to put in your info and get a quote.