Health Insurance Plans

What to consider when purchasing a health insurance plan

Whether you’re getting health insurance from your employer or purchasing an individual plan off the marketplace, there are things to keep in mind when getting health insurance.

1. Check to see if your doctors or in-network
If you have been with your doctor for years, I’m sure you still want to visit the same doctor.  Check a health insurance plan to make sure your doctors are all covered.  If a certain plan does not cover the doctor, shop around for another plan, not all two plans are the same.
2. Benefits
If you need physical therapy or specific medications, do your research to make sure your benefits cover these necessities.
3. Policy type
The most popular types include HMO, PPO, EPO, and POS plans. These all have features that make them unique.  Cosmo encourages clients to look into options based on their lifestyle and financial needs.  Cosmo can guide you during the process of looking into different plans.  We know the ins and outs of all plans and know what plan can work for you.
4. Prescriptions
Americans paid an estimated $457 billion on prescriptions in 2015. Over 60 percent of Americans take medications every day, this should be a primary concern when deciding on a health insurance plan.
5. Out-of-pocket expenses
Health insurance is a system that is measured by out of pocket costs and premiums.  If you’re relatively healthy, it might be worth taking on a high deductible in order to benefit from low monthly premiums.  

Insurance coverage can be overwhelming – confusing options, endless paperwork and tedious legalities.

Cosmo Insurance Agency makes it easy. Our team has mastered every detail of the insurance process and will walk you through the process to the end, so you can be 100% confident when signing on the dotted line.

Cosmo’s dedicated service doesn’t end with the selection and signing of your policy. Whether its healthcare, life insurance, long term care, vision, dental, or disability, Cosmo Insurance Agency will be there every step of the way. Our staff maintains close contact and is always only a quick phone call away for questions or concerns relating to billing, provider issues, claims or reimbursements and your insurance renewal. Give us a call today! 

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Posted 2:00 PM

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