Shopping health insurance, whether it be for you, your family or your business, is a complex issue where most people need guidance. Here are a few things for you to consider when you are looking for health insurance:
What factors should be considered when I shop for health insurance?
You must evaluate your needs when beginning to shop for health insurance. Ask yourself questions like:
·What do I plan to use my medical insurance for? Is it just ‘check-ups’ and emergencies?
·Do I need to have easy and/or regular access to Specialists? Specialists are doctors who have completed advanced education and training in specific areas of medicine, such as dermatologists, oncologists, allergists, cardiologists, etc.
·Do I need to know exactly what every service costs up front? For instance, would you prefer to have a Co-pay plan which sets a specific dollar amount or do you have flexibility up to a certain point?
·How deeply rooted is my relationship with my doctor(s)? Would you see someone else or do you want to be sure to keep your current doctor? If it is the latter, make sure that your doctor is a part of the network linked to the policies you are considering.
Do I need an agent? Do I pay more to use an agent instead of just shopping for myself?
It is important in making any purchase that you educate yourself on your options. However, this could be much easier with the help of a licensed Health Insurance Agent. Do you pay more for their services? Most times, the answer is NO! Agents are paid by the insurance companies they represent and not by you. We recommend you retain the services of a local, independent insurance agent like Boyd Insurance & Investments. This way, you will be presented with policies from several different insurance companies, allowing you the freedom of choice.
What is healthcare.gov and how does it compare to Boyd Insurance and the insurance companies they represent? Can’t I just purchase insurance through that website?
You certainly can. Unfortunately, it is not necessarily any less expensive. Health Insurance plans are now regulated in benefits and price according to the Affordable Care and Patient Protection Act, differing very little between the ‘exchange’ (healthcare.gov) and those quoted to you by an independent insurance agent from Boyd. In purchasing insurance through the exchange, the consultative nature we think works best is cut short with little to no help in finding something that truly fits your needs. Also, the exchange might not list options that Boyd Insurance & Investments might have access to. Why not access the one-on-one help that an independent agent can bring?
Contact us at (941) 745-8300 for more information on your health insurance needs!
Questions about common health insurance terms? Click here for a review of items you need to know.