Health Insurance Plan Questions - Asheville NC - Lanford Financial & Insurance

Most asked questions about Health Insurance Plans

Most common questions about Health Insurance

For some, buying health insurance can be a confusing and overwhelming process. First, you have to find a health insurance plan within your budget. Then you have to contact the company or an insurance agent in order to get a quote. Once you have all of that information, you can evaluate your options. It is a very personal and complicated process, but we are here to simplify it.

How can I choose the best health insurance?

When it comes to selecting a health insurance plan, the premium is the most important factor for many shoppers – especially those who are currently healthy. But price shouldn’t be the only factor upon which you base your selection, even if your primary concern is financial (as opposed to factors such as provider networks, drug formularies, and quality ratings).

Are my doctors covered by this plan?

Getting care from a person or place your plan covers saves you money. On the other hand, getting care somewhere else may mean your health plan pays less, leaving you with bigger bills. That’s why you’ll want to check that the doctors and clinics you expect to visit will be covered by the health insurance plan you’re considering.

How big is the plan’s coverage network? What kind of network is it?
Is my current doctor covered by this plan (are they in-network)?
How much will I pay if I see a doctor who isn’t covered by this plan (out-of-network)?
Do I plan to get out-of-network care? Am I willing to switch doctors or locations if the ones I want aren’t in-network?

How Much Will I Have to Pay for Medical Care?

Find out the amount of the premium. Next, ask whether you will be charged a co-payment, a small flat fee, perhaps $10, charged for health care services.
Some plans have a deductible instead, an amount that you have to pay before the policy starts to cover any medical costs. Find out about this, and find out the percentage of costs that will be covered by the plan once you've met the deductible.

If I’m interested in alternative therapies, how does this plan’s coverage work?

See a chiropractor? Planning to have your baby at home? Curious about acupuncture?
Different health plans treat alternative therapies (alternative medicine) different ways. In some cases, you’ll be covered the same as any other care. In other cases, you’ll only be covered a little or not at all. If this kind of care matters to you, take a close look at your plan’s benefits.

Will this health insurance plan still be right for me if my needs change?

Sometimes it’s expected and sometimes it’s not – but life changes, and so does what you need from your health plan.
If you know how your plan can grow with you, it’s easier to make a decision you’re comfortable with from the start. That way, you’ll have a good understanding of how different changes will affect your and your family’s coverage.

What happens if I move or get a new job?
If I have a baby or decide to adopt, how will the child be covered?
What if I or someone in my family develops a serious health condition?
Am I expecting any big life changes in the next year or so?

I’m self-employed. Is it better for me to buy health insurance through a broker, or through the exchange?

You can have the best of both worlds – a broker can help you enroll through the exchange, giving you personalized help and recommendations, but also allowing you to get any Obamacare subsidies for which you’re eligible.

Health insurance doesn't have to be hard!

We work for you. We are independent agents and work with different health insurance companies to help you find the best plan for you.

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