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At iHealthcare, we care about getting you the coverage you need within your budget. That’s why our experienced agents will walk you through the Medicare enrollment process to avoid penalties. We will also make sure you are fully knowledgeable about all your Medicare options so you can make educated decisions.
Having insurance is important, especially if you have a family and kids. Many people have heard about insurance, but really have a hard time explaining what it is and how it works. As an overview, health insurance functions as coverage or a plan that will help pay costs and expenses associated with surgical, medical, prescription drugs and dental from time to time.
To receive a free quote and discuss your healthcare options, reach out to iHealthcare today. Our licensed insurance professionals will provide you with all the information needed to make sure you receive the best coverage possible at the best rates.
For all of your healthcare insurance needs, reach out to one of our expert agents today by calling 713-900-1901 or filling out the form.
View the latest insurance trends and industry news from iHealthcare. For questions, feel free to contact us directly.
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When people think about the cost of health insurance the first thing that comes to mind is the bill (premium) they pay each month. Most do not think about the other costs of insurance that add up over the course of a year. At times, this out-of-pocket amount can even be higher than the premium itself. These costs tend to come in the form of deductibles, copayments or coinsurance, and out-of-pocket maximums. Below is a short overview of each of these costs:
Deciding on a plan based on total costs of care means you will need to create an estimate of the medical services you will need over the course of a year. While it is impossible to predict, you can look back over the past couple of years and get a good idea of your yearly spend.
One of the positives of using the marketplace and HealthCare.gov is that it allows you to choose the expected medical usage of each family member as either low, medium, or high. While looking through plans, an estimate of total costs will be shown based on your household’s expected us of healthcare. Monthly premiums and various out-of-pocket costs can also be viewed in the estimate.
Comparing plans in the marketplace is made easier by using the four metal categories including bronze, silver, gold, and platinum. As a general guideline, the categories with larger premiums will pay more of the total costs of healthcare. Likewise, the two with lower premiums (bronze and silver) will make you pay more total costs. For anyone who does not expect to need regular medical services or regular prescriptions then the bronze plan may be the best option. These plans have low monthly payments, but in return make you pay more of the service costs.
Even though everyone needs healthcare insurance, the cost of having it can be overwhelming the first time you decide on a plan. Luckily, our agents at iHealthcare are highly qualified and happy to discuss your options with you. To receive a free quote, give us a call today at 713-900-1901.