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Health Insurance has changed quickly, and it seems to accelerate with time.

There are more new plans every year, and the designs are very often different than anything seen before. There are plans that encourage wellness, others that encourage savings, and many that involve employers in managing, saving and re-imbursing for costs.

There is no possible way for an individual or a group to shop health care. Consultants like Alison and myself find that even the most astute shoppers are often not buying what they think they are.

The health insurance companies are very clear in the marketing of products, but the buyers are not aware of the terms, words like:

Deductible

Maximum out of pocket

Copay

Are familiar, but “Aggregate” is a fairly recent addition that most people cannot define.

Also, network definition, the old preferred provider lingo has been replaced with new descriptions that only an expert is qualified to explain.

The good news is that most Health Insurance Agents are experts, and they do not charge you simply to ask questions.

If you choose to purchase a product they sell, you can usually get it for the same price you would if you didn’t use and agent at all, because Health Insurance in nearly every state is regulated that way.

If you want to know how we are paid, how much or where it comes from, just ask us.

We have been helping Health Insurance shoppers for 16 years, we love it, and I am sure you will be glad you called us before you select your new plan.

Jeff

1-800-655-9525