Health insurance options and choices
What is your best option for health insurance if you are self-employed or don’t have the benefits of a group plan? Simply not having health insurance is a big financial and health risk and simply not worth it. The good news is that there are health insurance plans available in Amery WI, Barron County, Polk County WI and Siren WI and Community Insurance can help you with those.
Medical and hospital costs are simply unaffordable for most people. A serious accident or illness can ruin you financially if you don’t have proper health insurance. Worse you might not get the treatment you need if you don’t have adequate health insurance.
An insurance agent or broker such as Community Insurance has access to a number of affordable health care plans. These options include major medical as well as supplements and advantage plans. One of their consultants will be happy to tell you more about the various options that include
- Major Medical
- Disability Income Protection
- Health Savings Accounts
- Medicare Supplements
- Medicare Advantage Plans
- Group Plans
Major medical or catastrophic medical is great for people who don’t mind paying for smaller medical expenses themselves. Major medical then covers the bigger expenses related to things such as surgery, dread disease or serious accident.
Should you become disabled and unable to work, disability income protection will continue to your bills and take financial care of you. Disability health insurance covers your most valuable asset, your ability to work and earn an income.
A health savings account offers tax advantages and enables you to pay for certain medical expenses tax free. Medicare supplements (aka Medigap) can help pay some costs such as co-payments, coinsurance, and deductibles that are not covered by original Medicare. Medicare Advantage plans offer more options such as prescription drug coverage.
There are many aspects, options and choices when it comes to health insurance and it is a good idea to get sound advice from a health insurance agent.