We explain, in understandable terms, how insurance works.
We explain, in understandable terms, how insurance works.
Legislation is changing the health care landscape. Somewhat. We are perfectly willing to discuss these changes candidly with you. The changes are listed in your Annual Notice of Change.
As always, if you are happy with your existing coverage and you do not expect your circumstances to change, our best advice would be is to...stand pat. Most plans automatically rollover.
If you decide you want to change, contact us - we'll have a pleasant conversation. We do not cajole, pressure, push or dictate.
We have plans from several companies.
We offer appointments online, phone or in-person.
Please know, by law, any one plan offered by any one company in a geographical area is the same for all sellers. Exactly the same: same benefits, same cost, same availability, same rules.
Plans vary by company as each company makes benefit decisions within a lawful range that they feel might appeal to buyers.
Look over your current coverages and compare to the changes your existing insurer is making. Think about your expected needs. Consider your Maximum Out-of-Pocket (MOOP) as that sets your overall risk for the upcoming year. Recall the facts are that better benefits over Here usually mean worse benefits over There.
Keep in mind. You are buying a medical/drug plan for medical/drug benefits. If the plan you like has attractive bells and whistles, so much the better.
We all that advice can be both not so good and good. Advice comes from everywhere: family, friends, influencers, news and misinform. Advice, however well meaning, may not apply to you in your circumstances. Peer Advice is an opinion. Follow peer opinions at your peril.
Please know: Licensed Agents (usually) give good advice because they are financially liable for what they say and do. Valid experience countsAnd. Licensed Agents never charge fees for either enrolling or servicing. Ever.