Fourth quarter of every year brings high demands on our time and our energy. The health care reform situation and all of the negative that we hear, I’m sure has us all confused and tired of listening. However, we are coming into the home stretch on being compliant in having our health insurance, so now is time to get down to business and find out just exactly what do I have to do, when do I have to have it done, and how do I go about it.
There are many ways to be insured for our health. Our employer, offers us generally options that we can choose from to best suit our needs. Premium relief via the employers’ contribution, but outside of the employer options, on an individual basis, we do have an obligation and a timeline that is nearing quickly. It is still the best option to seek out an independent agent. An independent agent can offer you plan choices that best suit your needs, discuss with you the meanings of all of the acronyms (ACA Plans, Grandfathered vs. Non-Grandfathered, HMO, PPO, POS, Co-Payment, Co-Insurance, Deductible, Maximum Out of Pocket, HSA, HRA) just to name a few.
I still feel we should safeguard our maximum out of pocket expense and understand how we arrive at that during any calendar year. From there, let’s be sure your everyday needs are addressed, such as prescription drug benefits, office visits, etc. If our plan selection best suits your needs, most of the time, it is an affordable premium. Remember, there is no underwriting anymore. Some people will win, and some will know they did not, but please give us a call. We can cut through the complexities and make this simple to understand.
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