Posted February 8th, 2013
Good health is something to value, but at some point in their lives, almost everyone will be faced with an illness, injuries from an accident, or another kind of ailment. Developing a chronic condition, suffering broken bones in a car crash, or contracting a disease can lead to what might seem like unending medical bills. Expenses for hospital care, diagnostic testing, x-rays, and medications can add up quickly. To make sure that healthcare costs can be covered in case of the unexpected, people should contact a local independent insurance agent to learn about purchasing an affordable health insurance policy with custom coverage.
The Affordable Healthcare Act of 2010 is now operational, although some of its measures will not take effect until 2014. Expanded health insurance coverage for young adults and coverage for adults with preexisting conditions are included in the Act, along with many other provisions. A licensed independent health insurance agent, knowledgeable about the recent changes in the law and the important factors to consider in choosing health insurance, can serve as a trusted advisor to assist those interested in purchasing a policy in choosing the right coverage.
In meeting with a local independent insurance agent, people seeking to supplement or modify their existing health insurance, or buy a new policy, should expect that the agent will want to know about their prior coverage, and whether they purchased an individual plan, had insurance through an employer, or were uninsured. She will also inquire about whether a person wants to buy insurance individually, or if they are looking to obtain coverage for additional family members. She will probably inquire about a person’s health history, and the health history of anyone who is to be an additional insured on a policy, and she may want to know about any prescription medications that they are taking, since some kinds of medicine may not be covered.
To recommend the right affordable health insurance policy, a seasoned independent insurance agent will discuss the available options for coverage afforded by policies from a number of different insurers, along with associated deductibles, co-pays, and anticipated out-of-pocket expenses. She can also answer questions about in- and out-of-network providers, and whether a person can go to a specific clinic or pharmacy under a particular plan. If an insured wants coverage for dental care or visits to an eye doctor, she can help them find the proper plan, and she can also discuss whether special conditions like pregnancy, or for mental health care, or physical or occupational therapy are covered under a given policy. She may also mention that, depending on the terms of a policy, a stay at a nursing home or home healthcare may also be covered.
With the help of an independent insurance professional, people can find coverage to fit their needs. An independent agent will assist them in selecting affordable health insurance that can allow them to retain their financial independence, while making sure that their care and treatment bills are paid.