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| — Individual & Family Plans — | ||
| WHERE DO I START? | ||
| Applying for Health
Insurance is easier than you think. For your convenience, we have
compiled a simple list of steps that you need to take to get insurance
coverage. For more information, give us a call (752-7200), or stop
by our office at 40 W. 1250 N. |
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| Master Checklist | ||
| Follow these simple steps: Additional information is provided below. | ||
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Short Term vs. Long Term | |
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The best place to begin when looking for a health insurance plan
is to identify you needs. One of the most important things to consider
is the length of coverage you require. Long Term: On the other hand, if you are going to be around for a while, a long term plan is going to be your best bet. There are more options included in long term plans so you can get the coverage you need and well as a comfortable price. We offer long term plans from Blue Cross Blue Shield, IHC, and Altius. |
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Which Insurance Carrier to I choose? | |
| Although most carriers provide excellent coverage, and offer comparable
prices, there can be slight differences. In most cases you would would
not notices the difference in coverage. However, if you would like
to learn more about what each company offers, feel free to drop by
our office and we can give you additional details. |
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What Options do I have? | |
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There are several options you may want to consider when choosing a plan. These include office co-pays, prescription CO-pays, payment options, and medical deductible. Office Co-pay: This is a great option to have if you visit the doctor more than once or twice a year. Rather than pay the entire doctor bill, or paying your deductible, all you do is pay $15 for each office visit. This can save a lot of money in the long run. Prescription CO-pay: This option is similar to an office CO-pay Rather than pay high prescription costs, you only pay $5 or a small percentage of the cost. Payment Options: Most people tend to have their monthly premium deducted automatically from their checking account every month. However, monthly billing is also available in some cases. |
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How do deductibles work? | |
| A medical deductible is the amount that you are required to pay
in case of medical treatment each year. A common amount is $500, although
we we options ranging from $0 to $2500. For example if you visit the
hospital, you would be required to pay your deductible. After that
the insurance company will pay 80% of all medical costs and you will
pay the remaining 20%. Once you have spent your Out-of-Pocket Maximum
(this is usually ranges from $2000 to $4000) the insurance company
will cover 100% of the remaining costs.
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What do I need for the application? | |
| Applications are simple to fill out. Just stop by our office and
we'll help you through the process. You will be asked to fill out
a short questionnaire and medical history. It is helpful if you bring
along your Social Security Number, any current insurance information
and a personal check. Medical records are not necessary, but depending
on the applicant, they may be requested at a later date.
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Leave the rest to us! | |
| After your have chosen your plan and filled out the application, we will keep in contact with the insurance company to make sure you application is processed in a timely manner. We will be sure to notify of any changes and questions, and will contact you as soon a you are approved. Feel free to contact us anytime, concerning questions about your application or coverage! | ||
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"The Voice of Choice" © 2003 Broadbent Financial Services