Roof installation is not everyone’s cup of tea. People specializing in this area should be aware of the physical challenges and demands this job puts on an individual. Roof installers are constantly exposed to various potential risks and hazards while working on a job site. Although there are several safety measures in place to protect these workers from the dangers their jobs put them in, accidents are still sometimes bound to happen due to the high-risk nature of the job. This makes purchasing a health insurance plan a necessity for roof installers.
Roofers or roof installers who are working for a company may already be insured through their employers and not need to worry about getting their health needs covered. However, independent roof installers will need to search for and buy a health insurance plan that is both affordable and comprehensive. With various individual health insurance options in the market for independent workers, it can be a daunting task to find a health insurance plan that effectively covers the health benefits a roofer might need to get covered. This is where we can help by comparing all your options with you and the best part, it’s free to use our services!
In this article, we will look into some of the health insurance options for house roof installers and how they differ in terms of their expenses and benefits to help you choose the one that works best for you. If you find this process overwhelming, using a broker like Find the Plan can help you find the plan that fits your needs and budget. We have access to all the carriers and plans in your area and our services don’t cost you anything to use.
- Health Maintenance Organization (HMO)
A Health Maintenance Organization or HMO can be a good health insurance option for roof installers looking for a plan with low monthly premiums. However, with an HMO plan, you can only get treatment from a primary care physician who is available on the provider’s network. However, an HMO plan will cover the emergency treatment you will receive.
Additionally, an HMO plan will be responsible for paying copays for the doctors’ visits and other healthcare treatments you will receive. Furthermore, these plans also provide coverage for prescription drugs and other preventative and wellness programs.
Overall, an HMO can be a good option for roof installers looking for plans that are easy on their pockets and cover all their primary healthcare needs. But keep in mind that these plans lack flexibility and might not be for you if you need specialized treatment from a physician who is not available on the provider’s network.
- Preferred Provider Organization (PPO)
Unlike the HMO plans, a Preferred Provider Organization or a PPO plan presents a more flexible option when it comes to choosing a healthcare provider. Although these plans have a network of healthcare providers, they give you the freedom to get treatment from a healthcare provider who is not on their list. However, you will have to pay extra for all the out-of-network services.
Like HMO, PPO pays a copay for your in-clinic consultations and other health services you receive, but you will need to meet a deductible before your provider starts paying their share. With this plan, you also get coverage for prescription drugs and other benefits, including preventative and wellness services.
A PPO can be a go-to option for roof installers who want more freedom for their treatment and who do not mind paying extra for these services.
- High Deductible Health Plan (HDHP)
High Deductible Health Plan or HDHP is another option to consider for roof installers. With an HDHP, you will have to pay lower monthly premiums, but a higher deductible compared to other health insurance plans. A deductible is a certain amount you will need to pay as “out-of-pocket expenses” for the healthcare services you will receive before your insurance company starts paying its share. Once you have paid the amount set as deductible, the company will start paying for the consequent healthcare services you will receive.
HDHP can be a good option for roof installers looking for low monthly premiums. Still, it is not a very feasible option for those who need regular medical care, as out-of-pocket expenses can be high with these plans.
- Short-Term Health Insurance
Short-term health insurance can be another affordable option for roof installers who are looking for a temporary health insurance plan before they can find a permanent solution. A short-term health insurance plan provides coverage for 3 to 12 months to individuals who are looking for an affordable insurance plan to cover their basic health needs.
Although short-term health insurance has a low cost, it does not provide comprehensive coverage. You will get covered for essential healthcare services, including surgery, hospitalization, and emergency care but may not for other services like preventative care or a pre-existing condition. These plans may also be limited in providing coverage for prescription drugs, and they might not be available in your state.
Overall, a short-term health insurance plan can be an affordable but limited option for roof installers who are looking for basic healthcare coverage until they find a more permanent solution.
Some Other Health Insurance Options for Roof Installers to Consider
Apart from the above-mentioned options, house roof installers can also consider the following:
- Health Savings Account (HSA)
Health Saving Accounts or HSAs are typically used with High-Deductible Health Plans or other types of health insurance plans. With these plans, house roof installers can save tax-free money that they can spend on their healthcare needs.
Medicaid is government-provided health insurance for individuals and families who have low incomes. Medicaid can be another affordable health insurance option for house roof installers who meet their state’s eligibility and income criteria.
- Association Health Plans
House roof installers who are members of a specific trade or professional association might be eligible for group health insurance plans. These health plans are more affordable than individual health insurance plans.
Plenty of health insurance options are available for independent house roof installers that they can choose from. It is essential to consider all the factors, such as copays, deductibles, premiums, and other out-of-pocket expenses, before making a final decision. Also, make sure the plan you choose includes all the medical benefits you might need in the future.
If you need assistance in finding a plan that fits your specific needs and budget, give us a call, and let us help you sort through all the different carriers and plans in your area. Our services do not cost you anything to use and our knowledgeable agents are available to answer any questions you may have about health insurance.