Archive for 'affordable health insurance'
Buying an Affordable Family Health Insurance Policy
December 14th, 2009. Published under Family health insurance, affordable health insurance, blogs. No Comments.
Many families are struggling to keep their health insurance.
Here are a few factors to consider:
- Reapply with the same carrier-you are placed within a risk pool when you first buy the policy. That risk pool may have a higher than average claims ratio. If you re-apply you may be bundled with a pool of people who will have lower than average claims.
- Consider a higher office visit co-pay
- Apply to another health insurance carrier
- Higher deductibles don’t save you very much money
- Consider a HSA/High Deductible Plan if you are healthy and rarely visit the DR.
Affordable Family Health Insurance is a quest best undertaken with a personal agent. The agent knows the underwriting guidelines of the insurance carriers and can advise you how to save money.
In Utah, the premiums are the same whether or not you use the services of an insurance agent. It’s like buying a house without a Realtor, you need an agent to negotiate the contract.
For assistance with your family health insurance, please give me a call.
