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Health Insurance Specialist

Health insurance specialists are people (typically agents, brokers, or financial consultants) who are well versed in the coverage options, companies, and laws surrounding this industry. They may be the best source of information when looking to demystify the whole insurance game. You can hire a health insurance specialist to help you make the best choices for you, or you can just review the information provided by a specialist in the health insurance field and then make the final choices yourself.

Health Insurance Specialists On Whether To Choose Group Or Individual Insurance

There are two major options when you are looking for health insurance, and they are group health insurance and individual health insurance. You may have both options available to you, if you work for an employer that offers group coverage or belong to another group or association that offers it. Individual insurance is available to everyone and when comparing coverage for coverage is cheaper than group health insurance.

Group health insurance works best in certain cases:

  1. If the employer pays the entire premium or heavily subsidizes the premium, it may be worth your while to go with the group coverage, especially if you are satisfied with the coverage offered and just want to keep your cost as low as possible.

  2. If you have pre-existing conditions, chances are you may want to go with group coverage. In order to be eligible for individual health insurance, you must meet the underwriting requirements of the company. They may want to exclude coverage for pre-existing conditions.  However, group coverage accepts everyone, who is a part of the group, regardless of health, therefore it may be your best option for good comprehensive coverage.

Individual health insurance works best in these cases:

  1. If you and your family are healthy, you will get much more reasonable rates through individual insurance than with group coverage, because you are not rated as a part of a multiple-risk group.

  2. If your employer does not subsidize the company’s health plan, you should at least get quotes on individual health insurance in order to compare costs and coverage.

  3. If you are unsatisfied with the coverage, type of plan, deductibles or co-pays on your present health insurance.

  4. For anyone starting a new stage in his or her life, individual health insurance can be tailor-made to you. For people who are starting a business, getting married, getting a new job, newly single, with a young family or retired, there is an individual health insurance product that fits you.

Health Insurance Specialists On The Terms You Need To Know

When looking at your health insurance needs, you will run across terminology again and again that you may not be familiar with. Here is a quick and easy glossary to help you out.

Co-payments: These are the pre-set amounts that you will need to pay every time you visit a health care provider.

Deductible: This is how much you need to pay of your own health expenses each year, before your health insurance coverage even kicks in and starts to pay for anything.

Coinsurance: This is how much you will have to pay for your eligible health care expenses, once you have met the deductible. It is usually about 20% of the cost.

Out-of-pocket limit: This is the maximum amount of money that you can pay in co-insurance costs on a yearly basis. If you hit your out-of-pocket maximum for the year, your insurance plan will pay for your eligible expenses 100%.

Provider: This is just another name for anyone who provides health care services.

In-network: For those who use a PPO or an HMO, this is very important. In-network providers are those health care providers who have agreed to provide services for set fees. If you use a PPO, you have coverage for both in-network and out-of-network providers, though at differing rates. If you have an HMO, you are only covered for in-network services.

Out-of-network: Those are the healthcare providers who do not have an agreement with the insurance company. Those expenses may or may not be covered depending on the type of policy you have.

Health Insurance Specialists Recommend Using Online Quote Tools

Online quote tools are a wonderful way to get quick, easy and comparable quotes to help you make the best decision on your coverage, say health insurance specialists. You can get multiple quotes now by going to the top of this page and using the free quote tool. Get your health insurance quotes now!