Choosing an Affordable Health Plan

As you can see in our web site there are many plans to choose from. Our quoting system lists the plans sorted from the least expensive to the most expensive. If money is not an issue, I would always choose the most expensive one. However, for most people affordability is a major issue especially when health insurance premiums increase every year. Not having health insurance is not an option and purchasing the most expensive insurance is not an option either. So you need to decide what is most important to you and make sure the plan you are choosing has essential coverages.

For example if you are a 40 year old male and you need coverage for yourself you may want to avoid plans that cover maternity and choose a plan that covers acupuncture treatments if that is something that is important to you. Do not pay for a coverage that you will not utilize.

In addition for a lower premium you may want to take a small risk if it is possible. For example you can save money by choosing a plan that has a larger deductible and applies only when you are hospitalized but not when you see a doctor for a check up. All plans have tradeoffs. Ask yourself these questions:

• How comprehensive do I want my coverage to be?
• Do I want to limit my choice of doctors or hospitals for lower premiums?
• How do I feel about a primary care doctor referring me to specialists?
• How much am I willing to spend on premiums and other health care costs?

Keep in mind that the plan you choose does not have to protect you from every small situation but to protect you against major medical bills and catastrophic situations. Contact us and we will give you suggestions as to what plans could work for you.