Affordable Healthcare Act: Benefits and Possible Downsides

The Affordable Care Act (ACA) has been fraught with controversies from the very start, and now, even months after its introduction, the controversies show little signs of abetting. Debates are alive as to the good and the bad sides of it and wedged between the claims of the supporters and the detractors of the new plan, people in large still seem to be in a lot of confusion. The following are the most salient points in regard to the pros and cons of the new healthcare plan.

Let us start with the positive sides. The primary aim of ACA was to include the possible biggest number of population under health insurance coverage. It is estimated that, starting from 2014, as many as 32 million Americans, who could not afford any health coverage until now, will be covered by the new healthcare plan. Among these are included 3.1 million Americans aged 19-25 who can now be added to the health insurance plans of their parents. Many of these young people are known to be working at various jobs and who still couldn’t afford any health insurance. In addition, no insurance company will, from now on, be able to deny coverage to patients with serious pre-existing conditions. The companies will also not be able to drop members from a plan when they get sick.

Most people are also expected to enjoy healthcare at reduced costs thanks to the new plan. Many may see a rise in the monthly costs of the more or less identical coverage’s, but the newer plans also come with lesser deductibles and annual out-of-pocket expenses. This means the overall costs of the similar plans will come down significantly for most people. Many are also of the opinion that the new plans will make preventative care more accessible. Importantly also, the new plan is expected to reduce the big budget gaps due to Medicare. The budget deficit is expected to get reduced by as much as $143 billion in five years from now.

On the downside, many fear that the Affordable Care Act will translate in higher medicine costs. According to the new plan, the pharma companies will need to pay $84.8 billion extra in fees over the period of the next ten years. This may result in rising drug costs if the companies look to pass the burden of this extra pay on to the consumers. Many have also predicted that America will reel under a huge shortage of health care workforce by 2020 as a result of some new mandates included in ACA. An AAMC study reveals that the shortage can be as huge as of 91,500 physicians by 2020.

Many people have also complained that they have found it extremely difficult to pin down the right plan for themselves from among the maze of all the different plans available. For example, someone residing in North Carolina may find it quite a challenge to visit the website of Blue Cross Blue Shield NC and find the suitable plan for herself all on her own. This is largely owing to the sheer number of different coverage schemes available under the new plan. Therefore, most people in North Carolina would need help of a BCBSNC agent who will help his client narrow down his choices and would explain in detail why certain schemes should be more beneficial to them than the others.

If you need help navigating the Blue Cross Blue Shield NC website and the schemes listed thereof and would like to engage the services of a BCBSNC agent, please feel free to contact us today.

Why a Personal BCBSNC Agent is Better Than a Navigator

In the wake of the recent health reforms, the Affordable HealthCare Act provisions and the plans one may opt for under the act have left many people in some confusion. For example, if North Carolina residents look to find an affordable and useful healthcare plan from the website of Blue Cross Blue Shield NC at http://www.bcbsnc.com/, this can be quite a challenging task. This is where a health insurance agent can help you out. An agent will help his client navigate through the maze of plans that are in offer and can help him enroll outside the government exchanges.

One may ask, won’t a navigator do the same? Not quite. The government had announced back in August this year that the original federal funding of $54 million on ‘navigators’ training and management had been increased to $67 million. The navigators are expected to assist people enroll in healthcare plans through government exchanges. However, at the same time that the government was agreeing to such a large expenditure on navigators, they had also handed off authorization to at least six insurance brokers for enrolling people in health insurance plans under Affordable HealthCare Act.

What is the bottom line of this? Well, this amounts to federal government admitting to the fact that the navigators could not provide people sufficient help in enrolling for the right plans. The reason for this is that the navigators are not allowed by law to proffer advice to consumers on which health insurance to choose. This law was primarily in place to ensure transparency in health care. The navigators are prohibited from making direct recommendations to people. To work as a navigator, one cannot have any ties with health insurance companies, and they also need to undergo an online training session which instructs them on how to avoid bias and stay neutral. So, all that navigators are allowed to do is to tell people what plan can be ideal for them, and that is that. They are not authorized to give explanations!

However, precisely this is where an insurance agent can be of help to people looking for the proper health plan to subscribe to. With confusion reigning regarding ACA, what people are looking for are recommendations and personalized advice. They need to know how they are going to benefit by subscribing to a particular plan. When it comes to Blue Cross Blue Shield NC, many may similarly find it somewhat difficult to navigate the website on their own and fish out the most useful information for themselves. Options are aplenty and with all the many different products available such as Blue Options HAS, Blue Advantage, Blue Medicare, Blue Options SM, an individual consumer may often feel at a loss about what plan to choose.

This is where a reputable North Carolina insurance agent can come to your aid. He will listen to your healthcare needs and would be able to recommend the right plan for you. You can also enroll to a plan through BCBSNC with the help of an agent. If you want to sign up under ACA using an insurance agent it will not cost you anything outside the plan. It is also important to understand that the agents do not sell health insurance. They will help you find the right plan, would give you useful advice and help you find the answers to your questions so that you can make a studied and informed choice regarding your health insurance coverage.

BCBSNC Says North Carolina Health Care Largest Growing Employment Opportunities

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With all the focus on the new Health Care Reform Bill, attention is lost on the careers available in North Carolina health care system.

 Health care is the largest and the fastest-growing industry in the United States. The health care industry employs more than 10 million caregivers in over 200 professional careers. But even with those numbers there is an already growing crisis across the nation. Health care employment growth between the years 2000-2010 was projected to be 25.5 percent but current and projected shortages in the health care workforce show that these projections are not being met.

 A recent study by the American Hospital Association pointed to the current vacancy rates nationally which show a 15.3 percent for imaging technicians, 13 percent for registered nurses, and 12.7 percent for pharmacists.  What has caused this shortage in nursing? It is attributed to the latest explosion of technology, an ageing health care workforce, and an unprecedented ageing population.

 North Carolina fits right into the national profile. According to North Carolina Area Health Education Centers (AHEC) North Carolina’s nursing shortage is a situation that is heading toward critical as the state’s population ages. NC AHEC works with the NC Center for Nursing and the Cecil G. Sheps Center for Health Services Research at UNC-Chapel Hill to conduct ongoing studies that monitor the quantity and skill level of nurses needed in North Carolina.

  AHEC’s studies show that North Carolina’s elderly population will double by 2020, creating huge demands for both highly skilled nurses and nursing assistants. Concurrently, the average age of the NC nurse is rising, with 24 percent of the workforce expected to retire within 10 years.

 Another contributing factor to the severe nursing shortage in NC is a dwindling number of schools offering the training. As the economy shrank and budget cuts came many public colleges have had to reduce their funding for training for nursing jobs. Even though health care skills are in major demand right now it is also one of the most expensive to teach. This has caused many state colleges to severely cut or totally eliminate their programs.  

 This puts North Carolina in a real life Catch 22 situation. There is already a shortage, but now there are fewer seats available for training. Many community colleges that still offer the courses now have more applicants than classroom space.

 Though we talked mostly about nursing in this article North Carolina needs everything from Ambulance Drivers through Surgical Technologist so the shortage extends beyond just nursing. And there is no doubt that the problem is much larger than North Carolina. We are at the bottom of a 10 year bell curve as the baby boomers move into retirement. If we have a shortage now where are we going to be in five years? Companies like Blue Cross Blue Shield of North Carolina (BCBSNC) are stepping up to help meet those needs.

 In June 2012 BCBSNC awarded the North Carolina Central University (NCCU) Department of Nursing a $100,000 gift.  Other gifts have been awarded to Appalachian State University, Campbell University and Elon University all as part of BCBSNC’s commitment to health care in North Carolina.

BCBSNC Agent Judi Goloff, Breast Cancer Awareness Helped Save Her Life

For Blue Cross Blue Shield of North Carolina health insurance agent, Judi Goloff, breast cancer awareness helped save her life.  As a breast cancer survivor, Judi knows better than anyone the importance of early detection.  That’s why Judi is such passionate supporter of National Breast Cancer Awareness Month, and the 5000 women living and working in North Carolina who will be diagnosed with breast cancer  this year. With the American Cancer Society estimating that more than 230,000 new cases of invasive breast cancer would be diagnosed among women in 2011 and estimated nearly 40,000 women would die from the disease, events throughout Asheville help highlight the continued need for education and early detection. From a golf tournament to an art exhibition, the city of Asheville has a number of events scheduled in October to celebrate survivors, and raise money for breast cancer research.

* On Monday, October 15, Ladies Workout Express is hosting a free community health fair from 8:00-11:00 am & 4:00-7:00 pm. The health fair will feature cancer prevention education, nutritional and cardiovascular information, plus health screenings and fitness assessments led by professionals (including blood analysis, bone-density screenings and running evaluations). There will also be a raffle and walk-a-thon with great prizes from area businesses to raise money for the American Cancer Association.

*If food really does it for you, try the second annual Plates for Pink dining event Tuesday, Oct 16. Urban Burrito, Louella’s Bar-B-Que and Okie Dokies Smokehouse are among the participating restaurants.  The Asheville Blood Donation center is sponsoring a blood drive from 7:30 am to 12:30 pm on Wednesday, October 17.  Participating donors will receive a $10 gift card to Neoburrito gift card.

*Making Strides Against Breast Cancer Walk will be held Oct. 20 at Pack Square, and is one of many events designed to provide women and their families with support and encouragement. The event will begin with the Making Strides Against Breast Cancer Walk shirt pickup starting at 5:30 p.m. on the adjacent patio of Pack Tavern. The first 500 registered walkers will receive pink luminaries to light in honor of breast cancer fighters. The night before the walk, the Asheville Citizen-Times and Mission Health will host a luminary event at Park Square Park.

*And on Saturday, October 27, the sixth annual Power of Pink relay will be held at the MedWest Health and Fitness Center in Clyde, on a new, easier course. The Survivor/Honor/Memory Walk will start at 8:45 a.m. and the 5K Race/Walk at 9:30 a.m. Registration for the 5k is $25 per person and $10 for the 1-mile Honor/Memory/Survivor Walk.

One in eight women will be diagnosed with breast cancer this year alone, National Breast Cancer Awareness month is one way to ensure that we stay vigilant in the fight against this disease. North Carolina health insurance agent, Judi Goloff, agrees.  As one of the 2.6 million breast cancer survivors, Judi knows first hand how important breast cancer awareness really is.

For more information on how you can get involved, contact Judi at www.nchealthplansonline.com or 800-438-5834, (828)582-2260.

Eye on Your College Student: Health Insurance Sticker Shock, BCBSNC Can Help

Since 2010, the University of North Carolina college system has required all students to have health insurance coverage. It’s another one of the requirements recently mandated by the Affordable Care Act in March, 2012.

 While many students already have health insurance in North Carolina—such as being included on their parents’ Blue Cross Blue Shield of NC health insurance plan—almost two-thirds do not.

 College health plans must now include:

1). preventive benefits at no out of pocket cost to students

2). a prescription plan with no maximum, and

3). at least $100,000 max per illness or injury.

 Wow. That can get costly. In fact, health insurance costs for some of our system’s sixteen universities have more than doubled (104%) in just two years to well over $1200. And now is the time that health insurance bills are making their way to NC college students’ mailboxes. Some of the students are in sticker shock. Many colleges are planning to re-bid their health insurance contracts in order to lower costs (next year).

 But, there is an alternative.  If you’re a college student, or have a college-bound child, you are free to shop around for more economical coverage elsewhere. Call me at Blue Cross and Blue Shield Health Plans of North Carolina, and ask for a health insurance quote that meets the health care regulations for students. I’ll work carefully on your behalf to put the best possible health insurance quote and plan together for you. It will be based on your needs, and while it will meet the law’s requirement, it will be customized based on you or your child’s need as they leave home.

 Before being charged for an expensive health insurance plan that you may not need, check with the college, and find out when the deadline is to offer proof of other insurance. You may be able to opt out of the university’s plan…

 Then call me, Judi Goloff, and find out how affordable and comprehensive my temporary health insurance plans will be. I don’t just sell health insurance. I help you find the right health plan for you and your family. When researching health insurance quotes and plans in North Carolina, let me help you ask the right questions and find the right answers. Join the millions of North Carolina residents that have chosen the affordable medical and health insurance plans from Blue Cross Blue Shield of NC®.

Blue Cross Blue Shield of NC Can Help You Understand the Affordable Care Act

A couple of posts ago, I wrote about the Affordable Care Act of 2010. I didn’t expect we would have an answer so soon. As you probably know, the Supreme Court upheld the ruling that mandating health insurance coverage is constitutional.

So what does the Affordable Care Act mean for you?

  • All of us must have medical insurance starting in 2014 or face a penalty tax of $95 or 1% of your income, whichever is higher.
  • Parents can cover their kids under their BCBS health insurance plan in North Carolina until they are 26 years of age
  • If you have no coverage, you will have to get insurance quotes and buy health insurance from an independent agency by 2014
  • Low income earners can qualify for Medicaid if you earn 133% less than the federal poverty level (currently $14,856).
  • If you earn up to  400% of the poverty level ($44,680) and you don’t have health insurance from your job, you may be eligible for federal help to purchase a health insurance plan
  • Federal tax credits are available to businesses with up to 25 employees if they want to provide health insurance coverage
  • Businesses with 50 or more employees must offer health insurance to them
  • Over 200 employees? Health insurance enrollment in the company’s health care plan is mandatory
  • Finally, by 2014 no one can be denied health insurance coverage because of a pre-existing condition

This means a lot of different things to a lot of people, and there are three variables that will affect each person’s opinion and use of the health system: Job security, your health, and finances.

A mother or family with a chronically ill child requiring continual care will certainly feel different than a healthy 30 year old who doesn’t think he needs health insurance, and is made to pay the government tax.

What do I believe? Since I’m a cancer survivor, it is comforting to know that Blue Cross Blue Shield will not deny me coverage, and that my out of pocket costs for deductibles and co-payments are capped at 30% of the total cost of my insurance.

Politics aside, we will have a long way to go before the problems in health insurance quotes, coverage and implementation are resolved. No plan will ever be perfect. Do you think we’re closer now? Call me if you want to understand how your health insurance quote may change based on the Supreme Court’s ruling. I can help you compare plans and know your options for the best coverage and costs available. Blue Cross and Blue Shield of North Carolina has innovative programs, and wants to help decrease the costs of our health care system. I love helping people, and would love to help you find the best insurance match for your family.

Are ACOs the Answer to an Affordable, Quality Healthcare & Health Insurance System?

Remember the Affordable Care Act of 2010? It’s the one Congress titles: Quality, Affordable Health Care for all Americans. How about the part where it will be the responsibility of every single American – requirement – to maintain (and report on) minimum essential health insurance coverage? Ah, now you remember.

This is the biggest question on which we’re waiting for the Supreme Court to make its ruling. Passing it would mean that millions of uninsured Americans would have their health insurance coverage subsidized by the federal government. The question isn’t whether or not it’s a good idea. The real question for the Supreme Court is whether mandating health insurance coverage is actually constitutional.

Whatever happens will turn out to be a double edged sword, and there is no easy answer.

There is good news. Blue Cross and Blue Shield of North Carolina has started to 1) pay doctors bonuses if they improve efficiency, 2) encourage patients to shop around for treatment, and 3) pay doctors to install computerized records. I believe all of these are good, and no matter what happens at the Supreme Court, we’re not going back to the ridiculous status of healthcare and insurance of 2009.

Increasing health insurance costs, associated with our aging population and more disease, will ensure continuous efforts to expand coverage, reduce costs, cut waste and improve healthcare. We’ve got to figure out ways to address of all these issues. I’m glad to see BCBSNC taking a proactive approach to working on a solution.

Blue Cross and Blue Shield of North Carolina is creating (i.e. funding) with the University of North Carolina Health Care System (UNCHCS) a private accountable care organization (ACO) in which a shared risk model means patients will have easier and better access to their doctors, medical records, and test results.

I’ll write again about these ACO provider alliances. Will they deliver lower-cost but still high-quality health care via new payment models, particularly ones that reward efficiency? It’s premature to tell. But I can help you find the right and most affordable plan for you and your family. Let me help you ask the right questions when getting health insurance quotes and comparing health insurance plans in North Carolina. I am happy to help you find the right answers for your needs.

Blue Cross Blue Shield of North Carolina Supports Farm to School Program

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Farm to School Program

Last month I told you about the irony of me being a cancer survivor and selling health insurance. Although I always felt I was a healthy eater, I became even more of a fresh, local produce advocate as a result. So you can imagine how great I felt learning that Blue Cross Blue Shield of North Carolina® (BCBSNC) Foundation, along with the NC Department of Agriculture, announced a $1.2 million grant to benefit the North Carolina Farm to School program. This is great news for our kids (and for those of us requesting health insurance quotes each time our policy renews). Healthy kids become healthy adults, and that ultimately reduces insurance costs for everyone.

Here are the facts:  About 15% of adolescents (12-19 years) and children (6-11 years) are obese, and about two thirds of us are considered overweight. In fact, America is the fattest country in the world! Being overweight leads to so many costly medical conditions – heart disease, diabetes, cancer, asthma and sleep apnea, just to name a few. Obviously, heavy people pay more for their health insurance plans than others.

But even the healthiest people pay the health insurance cost of obesity in America, because quotes and rates are based on statistics. Health insurance providers like BCBSNC know all too well the cost of obesity on health insurance plans. This weighty issue is great; it’s one of the reasons I’m proud to represent some of the best health care insurance plans around…even if you’re uninsurable, I can help.

Blue Cross Blue Shield Of North Carolina Health Insurance CEO Brad Wilson explained the motivation behind the foundation’s grant, “The reason we are doing this is because we have an obesity epidemic in our country. We are in crisis mode, and this is one small step that is going to make a difference.”

Back to the Farm to School program. Children spend more time in school during the week than at home. Do you know which foods your child is eating, or has access to, at school? The NC program has been supplying school cafeterias across our state with the freshest, locally grown produce from North Carolina farms since 1997 (Buncombe County did not participate in 2008 and 2010). It has also provided valuable resources for nutrition directors, teachers, parents and students learning about food and agriculture.

Kudos to BCBSNC! I’m proud to work with an insurance company that is helping. A healthier lifestyle means a healthier community, lower healthcare costs, and a healthier economy. Think of what we can do with the millions of dollars we would save on health care expenditures and insurance rates if we – and our children – can reverse the obesity trend!

I don’t sell health insurance. I help you find the right health plan for you and your family. When researching health insurance quotes and plans in North Carolina, let me help you ask the right questions and find the right answers. Join the millions of North Carolina residents that have chosen the affordable medical and health insurance plans from Blue Cross Blue Shield of NC®.

PS – You can learn more about our Foundation on the web at bcbsncfoundation.org.

Calm and Happy Children, Calm and Happy Parents

In homes, schools, medical clinics and even insurance agencies, people talk about psychological health and well being and the great numbers of adults and children with attention deficit, hyperactivity, anxiety or depression. How health insurance plans or medical offices will deal with a person’s situation depends upon each case and coverage. Costs for dealing with these conditions can be quite high.

 Millions of children in the U.S. are medicated for ADHD alone, according to the Center of Disease Control (CDC). Over a million preschool children in the U.S. are said to be depressed. North Carolina has more parents who report their children as having ADHD than any other state. Yet parents and children everywhere are happiest when both parents and children feel great without requiring prescription medication for mood, impulses, behavior and so on!

 The vast subject of ADHD, depression and anxiety and their counterpart (a positive sense of well being) aren’t that well understood. Our diet is a big part of our environment and the diet greatly impacts how we feel.

 Google search “ADD+diet” and we find over 128 million pages results! Googling “depression+diet” brings over 17 million page results. While such isn’t solid research, it would be a bit silly to think that diet and chemistry do not affect our minds and our sense of well-being. Attention to diet can often identify various causes of imbalances so we can rectify the imbalances make needed changes serious medical conditions develop. Parents report amazing results for both themselves AND for kids when they remove dietary items proven to create difficulties.

 A most helpful method to finding answers is the do-it-yourself Rotation Diet. This method of rotating foods and observing changes was developed by obesity expert, Martin Katahn, PhD.

 Since it’s a highly individual matter, people can observe their reactions to items with the rotation diet and learn exactly what foods subtly (or not so subtlety) disagree with them. Depression, anxiety, hyperactivity, sluggishness, digestive upsets, headache or migraine, feeling “scattered” and unfocused, etc., are sometimes only a result of a few key food choices that don’t support one’s chemistry.

 It’s common for people to put up with feeling poorly over many years, to later learn that discomfort, headache, aches and pains, arthritis and mood issues were food sensitivity related. (Allergy tests don’t typically reveal such sensitivities, which are different from allergy.)

 There are a few essentials that every human needs. In addition to supporting our physical wellness, these nutrients also support our moods, behavior and general feeling of wellness:

 Essential Fatty Acids (EFAs) — A guaranteed-pure fish oil benefits the brain and nervous system and virtually every other system in the body. In research studies, fish oil has often proved to be beneficial to those with depression. Not only are EFAs good for feelings of well-being, they are needed for correct adrenal and thyroid function, the development and function of the brain, healthy hormonal activity, breaking down fats and many other things! EFAs are in fish, especially the skin of the fish, as well as nuts, flax, green and leafy vegetables.

 Adequate magnesium is a must. 80% of Americans are said to have a magnesium deficiency. Signs include anxiety, irritability, hyperactivity, confusion, fidgeting, difficulty sleeping, learning difficulty, constipation and even dangerous heart rhythm problems. Magnesium is found in beans, nuts and other vegetables.

Zinc is a common nutritional deficiency among children who are hyperactive. A person with zinc deficiency has trouble thinking, and is prone to being anxious. Zinc is found in meats and grains.

 

B vitamins give people lots of energy and a good feeling of vitality. Bs are found in meats, milk,  whole-grain cereals, eggs, fish, yogurt, nuts, fruits and many other foods.

 

Vitamin E is a calming vitamin. Without enough of it, we have poor nerve conduction in the brain, among other problems. Almonds, olive oil, wheat germ oil and many other foods have vitamin E.

 

Vitamin D deficiency if rampant! It causes depression. D comes from the sun. D is a powerful immune system supporter and is needed for strong bones. Many adults and children are highly deficient in D, which also offers protection against many cancers, viruses and infections. D3 is said to be the health promoting and non-synthetic form of the vitamin which is added to milk and other products.

 How we eat can indeed be our “medicine” and help us to feel at our best.

 We at www.nchealthplansonline.com wish you a happy and healthy season ahead! Call Judy Goloff for NC health insurance information. Judy’s primary focus is on identifying and meeting your individual medical care needs with a variety of health and life insurance plans from Blue Cross and Blue Shield of North Carolina ® (BCBSNC). She will walk you through the entire process to make sure you get what you need in a health plan. 1-800-582-2262.

Health Insurance for Starter Families

Starting out in life is tough and starting out with a family can be even tougher. You want to do everything you can for them and, just in case, you want them protected. One of the most important types of protection is Health Insurance.

 Why Health Insurance?

 Health insurance protects you and your family from the high cost of medical care. In the most basic form you pay a monthly premium and the provider offers certain coverage.  One common fear is the cost of health insurance but imagine what the consequences could be of not having coverage.  Medical bills from a small playground accident can delete any savings and a major illness could put you into bankruptcy.

 Comparing Plans

 There are basically two types of plans, Traditional or Indemnity and Managed care.

Indemnity also known as ”Fee for Service” generally covers illness and accidents. There are no provisions for preventive care (flu shots, birth control, yearly wellness checks). And they may not offer prescription coverage. A big advantage is that you will have more freedom as to choice of doctors but you will pay for it with higher premiums.

 Managed care is what most of us are more familiar with. These include HMOs (Health Maintenance Organization) and PPOs (Preferred Provider Organization). HMOs offer lower premiums by offering care through a network of doctors and hospitals.  Co-payments are generally lower and prescriptions, preventive care and mental health are covered.

 PPOs are like a combination of the “Fee for Service” and the HMO. You have the option to use doctors out of the network but you will pay a higher portion of the cost. Using doctors within the network will save you in out-of pocket-costs which could include co-payments, deductibles, or other fees that you are required to pay outside of your health benefits plan. Premiums for PPOs are generally higher.

 Choose a health Plan

 Health insurance can add to the family budget, but there sensible ways to save money by shopping wisely. If you look around you will find options.  If your employer offers insurance you should take advantage.  You will almost always get a better premium with group or employer-subsidized plans.

 Whether you are getting insurance coverage through your employer or you have to buy it yourself it is important to do your homework and pick the plan that is right for you. Another good idea is to investigate insurance brokers. A broker has access to multiple providers and can help you make the right choice. Some questions you should ask your broker or while shopping around:

 – Does the plan cover the services I may use? Are there any pre-existing conditions, do you plan on having children. Does their network cover favorite doctors or hospitals?

– Prescription cost, how much they cover, what they cover. Do you have any special prescription needs?

– What are the co-payments?

– What are the deductibles? A common mistake is to choose a high deductible to keep the premium low. This could actually prevent you from getting care if you can’t cover it so keep the deductible realistic.

– What expenses have t be paid before reimbursement

 Before you make a final decision with a company take a few minute and get online and check them out. Look for things like complaints or high dropout rates. Look for accreditations and memberships. Purchasing health insurance is one of the most important decisions you will make for your family and it is a choice that needs to be made wisely.