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Let us help you navigate the choices. There are several moving
parts to a health plan. The first is the Type of Plan. You may
choose a 100% plan, a co-pay plan with coinsurance, or an HSA.
100% Plans generally pay all the medical bills outlined in the
policy after the deducible is paid. Some may also feature co-pays.
Co-Pay Plans pay a portion of the medical bills outlined in the
policy after the deductible is paid. You pay the balance
(Coinsurance) up to a maximum amount. Example: you have an 80/20
plan with a $1,500 deductible with a $1,500 out of pocket maximum
(Coinsurance). You would pay the first $1,500; then 20% of the
remaining bills until you reach another $1,500. At that point the
plan converts to a 100% plan. Doctor & Prescription co-pays are
generally not part of these calculations. Also, you may have a
separate drug deductible in some plans. You should also consider how
many deductible and coinsurance amounts there are per family.
Generally there are 2 or 3 per family.
HSA's are Health Savings Accounts. If your tax bracket is 25% or
greater you may want consider this type of plan. Under current US
tax code you cannot deduct medical expenses from you taxes until
they exceed 7.5% of your gross income. If your gross income last
year was $100,000, you can not deduct medical expenses until they
exceeded $7,500. If you had an HSA, you can deduct your expenses
from the first dollar. In short, why not have Uncle Sam pay for part
of your medical expenses?
Another thing to consider is the lifetime maximum the plan covers
per person. In the current market, the range is from 1 million to 8
Individual plans do not cover pregnancy as a general rule but can
be purchased as a rider from some plans. There are also other
options such as Dental or
Vision that may be available.
If you wish to shop direct please click on the links below. You
can shop and buy health insurance at your own pace. You can also
call Bruce At 407-765-9444 fill out the
Contact Page. We can then guide you
through the process over the phone or schedule a personal visit.
If, due a medical condition, you cannot get health insurance or
feel you cannot afford it at this time, a measure of protection may
be found through one of our discount medical plans. A link to those
plans is also found below.
What did you have in mind? Letís find a solution together. For more
information on this and other subjects call Bruce at 407-765-9444
or fill out the form on our Contact Page.
You may also refer to out Learning Center on this subject in the
menu on the left.