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Insurance Benefits Explained


Cost vs. Benefit
Access to Care
What Brochures Don't Tell You

  • How much will my monthly premiums be?
  • How often will I use the plan?
  • How is my family's health? Individual/Family health insurance can be declined or rated up.
  • Can I/should I put my children on a different plan for better benefits?
  • If I choose a lower premium plan, can I afford the maximum out of pocket expenses if something big happens?

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  • How are my prescriptions and medications covered?
  • Is my current doctor part of the plan I am choosing?
  • HMO's vs. PPO/POS. HMO's have no out of pocket cost, but are more restrictive to which doctor's you can use. PPO's offer more freedom of choice to doctor's and care, but there is no 100% coverage for PPO's. For the same benefit's, PPO's are usually more expensive.

  • Rates and benefits only tell you so much.
  • How quickly does a company handle claims?
  • How hard is it to get to a specialist?
  • What are current members saying about this carrier?
  • With over 15 years experience in the health insurance industry, our representative can guide you to a plan that fits your needs.

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