Despite what you may hear, there isn’t necessarily a “best” health insurance company or carrier – benefits will vary from plan to plan so you should evaluate the options based on your needs. The best health insurance option for you will depend on the type of coverage or services you need, your budget, and what plans are available in your area. Keep in mind that where you live will determine which insurers you have access to, so your coverage options will vary from state to state.
One of the most common misconceptions around working with a health insurance broker is that you’ll pay more as a result of our services. That’s not the case – you’ll pay exactly the same rate for your health insurance plan whether we help you or not. There aren’t any additional costs or fees associated with working with your advisor at Find The Plan.
You read that correctly. Our broker services are FREE for you to use.
How exactly does the process work? Brokers get paid directly by the insurance companies that they work with, and our costs are included in the company’s monthly premium. That means that you get free, personalized consultations with licensed professionals to help navigate you through the health insurance market for the same price if you went directly to the carriers themselves.
At Find The Plan, we like to offer the health insurance broker experience a little different from what you may be used to, or expect. Your experience is important to us, and we want to make sure you feel comfortable and confident in the health coverage you select.
When working with your health insurance broker, you’ll experience:
- Personalized plan recommendations
- A wealth of health insurance information
- Access to support
- An advocate by your side
Learn More about the benefits of working with Find The Plan.
Understanding your coverage is one of the most important aspects of choosing a health insurance plan. At a minimum, most plans will cover a predefined set of services required by the Affordable Care Act (ACA) called essential health benefits (EHBs). EHB’s ensure that health plans cover care that patients need including:
- Emergency Services
- Ambulatory Patient Services (Outpatient Ambulance Treatment)
- Hospitalization (Such as Surgery)
- Pregnancy, Maternity, and Newborn Care (Pre- and Post-Natal)
- Mental Health and Substance Use Disorder Services – Including Behavioral Health Treatment (Counselling and Psychotherapy Included)
- Prescription Drugs
- Rehabilitative and Habilitative Services and Devices (Services or Devices to Help People with Injuries, Disabilities, or Chronic Conditions Gain or Recover Mental and Physical Skills)
- Lab Services
- Preventative & Wellness Services and Chronic Disease Management
- Pediatric Services – Including Oral and Vision Care (Note: Adult Dental and Vision Coverage aren’t EHBs)
These benefits are required for all plans offered through the Health Insurance Marketplace, or private health insurance plans offered in federally facilitated marketplaces.
Depending on your situation and what’s important to you, the cost of your health insurance will vary. Your personal healthcare needs, as well as age, income, location, and number of family members included in your coverage factor into your health insurance costs.
For general reference, the 2020 average monthly health insurance premium for individuals was $456 and was $1,152 for families, but this isn’t always the case. Understanding the relationship between what’s included in your health coverage and the associated costs can help you choose the right health insurance option.
To get a personalized quote for coverage options available in your area, contact one of our dedicated sales agents today.
The best way to find affordable coverage is to shop around to compare different plan offerings, monthly premiums, annual out-of-pocket costs, and other important factors based on your health situation. The good news is – you don’t have to go through this process alone. You have the option to partner with a health insurance broker.
A health insurance broker is a licensed professional with the ability to help you navigate the healthcare benefits market from the initial consultation to helping you sign up for the best plan for your needs.
While the health insurance market can seem overwhelming and overly complicated, your advisor is trained to simplify the process and sift through health coverage plans to find one that best suits your needs.
During your conversation with a Find The Plan broker, we’ll cover topics like how you use your health insurance, what you’re looking for in a plan, and what prescriptions your coverage needs to include. We’re experts in the field and have access to a variety of insurance carriers, so you can rest easy knowing that we’ll compare numerous options before recommending a health coverage plan for you.
Determining your healthcare needs is a crucial first step choosing the right health insurance plan that balances your cost and coverage. How you’ll use the plan will ultimately determine which of the 4 different health insurance policy types is right for you. It’s important to evaluate your needs to identify which of the following plan types best suits your situation:
- Health Maintenance Organizations (HMOs)
- Preferred Provider Organizations (PPOs)
- Exclusive Provider Organizations (EPOs)
- Point-Of-Service Plans (POS)