Self-Employed, on Cobra in between jobs or careers, or considering alternatives to an employer offered plan...
Here's what you need to know:
While private coverage is not guaranteed... it can be more affordable than coverage through your employer... 30% less expensive on average.
If you are younger than the average age in your company plan, there's more savings in store.
When negotiating that next raise or job offer, ask the annual cost of the health benefit to the employer. If there's no effect on the company, ask for a bump in salary and keep your private coverage. You'll pocket the savings and pave the way for better coverage tailored to your needs.
Prescription benefit and out of network coverage maximums can lead to unexpected losses - big time.
Avoid disappointment...
click on contact us and we'll help you uncover your best option!
a tip for both buyers...
Feeling like higher deductibles are the only way to even afford insurance but don't like the thought of exposing yourself to those levels of risk...
Consider this, a $500 deductible plan for an individual might run you $100 more per month in premium than a $1500 deductible. If you opted for the $1500 deductible and put the premium savings in an HSA for one year (roughly $1200)... after a year you would only have to come up with $300. You're better off!
After 15 months, you would have saved the entire deductible! Either adjust your deductible higher for even more future savings or spend the $100 per month on something to reduce stress!
Families can benefit from the same thinking.
The amazing thing is that the total annual liability including premiums for high and low deductible plans are about the same on the better plans if you get critically ill.
click on contact us to schedule a plan comparison today!
click on the carrier to get a quote!
contact us for others!
insurance buying for families...
If you are paying for family coverage through payroll deductions - watch out! Employer coverage for families can be much more expensive than private coverage. If the employer pays for you...take it. Then shop private insurance for the family. Pay the payroll tax on your income...increasing your retirement benefit and still save thousand$per year in premium.
The right deductible can save you thousand$in premium and when making a claim for benefits.
Some plans offer family deductibles equal to twice the individual deductible. More and more we are seeing one deductible for the entire family.
Prescription copays can apply to the plan deductible or have a separate deductible...and a could be limited by a maximum annual benefit.
Included preventative services and discounted rates for diagnostics can lead to additional peace of mind.
click on contact us - We can help you secure your family's wellbeing.
