Health Insurance and You!

When signing up for employee-sponsored health insurance, enrollees are either presented with a small number of options or no choices at all. The company selects the plan for its employees. In contrast, when buying individual insurance, the possibilities are practically endless. First, an individual has to choose the carrier. Which insurer has the best network of hospitals and health care professionals, has a good reputation for customer support, makes timely reimbursements, provides the most services and has a high rating for financial strength? Next, the customer has to determine how to allocate his or her spending among premiums, deductibles, co-insurance, out-of-network fees and out-of-pocket expenses. What about special benefits such as dental care, vision and long-term health? You get the idea.

This is where a health care exchange comes in. An exchange uses the information a person provides about his or her needs and budget to intelligently narrow down the choices to a few relevant plans. Online or on the phone, an exchange will provide a personal, helpful side-by-side comparison of available plans in a selected a price range. The exchange’s team of health insurance experts will answer questions and help the customer navigate the process through to the application. Best of all, this help is free. GetInsured.com is a premier health care exchange that offers knowledgeable service representatives, a huge variety of available plans and customer friendly online comparison-shopping. Check it out!