Not All Bronze Health Insurance Plans Are Created Equally!

Do You Know?

1.     Which plans have a $250 Emergency Room Co-Pay vs. plans that are subject to the deductible?

(NOTE:  Most ER visits will cost more than $1,800 - so a $250 co-pay would be one way to contain cost).
 

2.     Which plans have a CO-PAY for prescriptions vs one's that have a deductible before CO-PAY?
 

3.     Which plans have a CO-PAY for specialist doctor visits?  (Not all plans do).
 

4.     The different between an Embedded Deductible vs an Integrated Deductible?
 

5.     Which plans do NOT participate in ANY claims until the deductible has been met?
 

6.     When to use Short Term Health Insurance (Non-PPACA compliant).  

As a licensed insurance agent, I get asked these questions often, and it can be confusing but it doesn't have to be.  Every client that I meet with has different expectations from their health insurance plans.  

Open Enrollment till Sunday February 15, 2015:

ON or OFF the exchange, I can help you understand your options for health insurance.  Last week, I

helped a couple in their early sixties understand how to enroll on the marketplace exchange.  In their case, they qualified for a tax credit over $700 per month.  At that point, we reviewed the different plans that were offered by different insurance companies and selected the plans that had the benefits that met with their needs.  The outcome was an affordable plan for health insurance.

Email me here  to set an appointment to review your health insurance.

These companies are competing for your business – which means there is competition which this author likes to see.  There are options to choose from.  Always consult with a health insurance broker, since they represent many companies, instead of just one company.

About the Author:  David Banet is a life, health, property and casualty insurance broker that helps people and small businesses with their health, life, home, auto business and retirement needs with insurance products. He writes articles on health, life and annuities.   David is a family man residing in southeast Michigan, and is licensed in Michigan & Ohio & Florida & South Carolina, Indiana Pennsylvania and Tennessee.

He is an independent broker which means that he represents many insurance carriers. There is no charge to enroll in a health insurance plan for his services.  

   

David has given several educational seminars on Medicare Basics in the neighboring community. 

P. O. Box 997, Troy, Mi 48099   |   By Appointment: |

   (248) 227-8199   |   Nationalinsurance.David@Gmail.com

www.AimInsuranceGroup.com      www.DavidTBanet.com