Do you know, how to choose the right health insurance plan, for you and your family?
Choosing the right health insurance plan can be a difficult and overwhelming experience.
Selecting the right plan for yourself, your family or business is extremely personal. Let Midwest Health XChange help guide you through the process and clarify the choices in front of you.
Are you and your family covered with the right health insurance plan in the event of a major illness or accident?
When evaluating a health insurance program it is important to consider several factors.
1) Cost – which includes the premiums paid, the deductibles to be met before healthcare expenses are covered and coinsurance, which is the percentage that you pay out of pocket for covered expenses after the plan has paid.
2) Services the plan covers – this may include hospital stays, out-patient surgery and coverage for doctor visits and other services provided in a doctors office.
3) Accessibility to the healthcare providers you visit.
All of these things impact the final decision – what is the right health insurance plan and is it affordable?
The health insurance market has several options that may be available to you. The vast majority of Americans have access to group insurance offered through employment. For those that are self employed, independent contractors or work for a company that is unable to provide coverage for their employees, other options exist.
Group insurance plans can be the best and most affordable way to carry health insurance coverage. There are situations where this may not be true. Some employer sponsored plans require large premium contributions to cover other family members. Under those circumstances, where employer coverage is unaffordable for dependents, it may be best to enroll in coverage outside of work.
With over 30 years experience in Illinois, Indiana, Kentucky, Michigan and Wisconsin –Midwest Health XChange can help.
The individual market has many options available for those who do not have access to coverage through their employer. The Affordable Care Act created health insurance ” Exchanges” where individuals and families can shop for plans that provide a mandated set of essential benefits.
Plans vary in cost based on insurance carriers, metal level (bronze, silver, gold), income, state and county in which you reside. Short Term Medical plans provide coverage on a limited basis for a limited time. People may select the time period (up to a maximum allowable time determined by laws) and coverages based on affordability and coverage needs. Short term plans may not cover pre-existing conditions.
Other options include private insurance plans offered by insurance companies that allow more flexibility in plan designs.
How to choose the Right Health Insurance is a balancing act – coverage vs cost. With over 30 years experience in health insurance, we can help.
MidWest Health XChange takes a personal approach. We will sit down with you and help you decide which type of plan may be right for you, your needs and at a price that you can afford! We will provide you with a No Obligation Quotation.
The right products, the right approach and the right price!
Here is a recent testimonial from one of our valued clients:
“Milt Hatfield ~ He goes above and beyond to explain things to us in a way that is easy to understand. We have the utmost respect for him because of this. Because of the way he treats us we consider him our friend and respect him enough to refer him to our friends & family. He always makes time to answer all of our questions even when he is busy.
He returns every call.
If he doesn’t know the answer to a question he admits it and asks someone who knows. This speaks to his character. He actually cares about us and the well being of our family. It is because of all of these attributes as a whole that we can say that he is, not only a great person but also great at his job.
Thank you Milt for being our insurance agent but also our friend.”
Brad B. Rochester, IN
Learn how Midwest Health XChange can help you Choose the Right Health Insurance Plan for you and your family at the right price in Indiana, Illinois, Kentucky, Michigan and Wisconsin.
Call us today to schedule your personalized, health insurance plan:
317-407-8952 (Milt Hatfield)
502-641-2769 (Chris Rhodes)