As an independent insurance agency, personal lines is an important part of the products
At Body-Borneman, we know that our clients have more than automobiles and homes
Body-Borneman specializes in Commercial insurance, with over 2,000 clients
Looking for affordable health insurance that isn’t offered by the company you are employed for, or perhaps even insurance to offer your employees can seem quite daunting. Don’t let the abundance of different health insurance companies and all the different coverage offered frighten you.
Not all health insurance plans are good options. It really depends on what you need and expect from a health insurance company. There are so many different types of plans that it can become quite confusing. They key to selecting the right one is to contact Body-Borneman and we compare several companies and inform you on what we offer specifically for you.
Finding affordable health coverage is only difficult due to the rising rates within the past few years. Health insurance plans have increased rates that many feel they can’t afford. The fact of the matter is, should something happen where making an emergency doctor appointment is necessary, or you find yourself ill and staying in the hospital, having health insurance will become greatly beneficial. Emergency visits and doctor appointments can add up quickly, especially if the person isn’t covered through health insurance. Many doctors will expect an individual to pay upfront for their visit. This isn’t possible for many of us. Here are a few steps we will and you can take in order to find you affordable health insurance for you:
There are several things to take into consideration when choosing a plan. Many people don’t think about the future and the long-term results of their health coverage. There are long-term care health plans that will raise your premium by $1,000- $2000 or so, but it might be beneficial later on in life, saving you much more than you spent on the coverage.
Carefully consider a higher deductible plan if you and your family are currently in good health. This will lower monthly payments to the health insurance company. This plan is really only good for those who take care of their health and well-being, and have money saved for emergencies.
Whether or not you need family health coverage or individual health coverage will affect the amount of money being paid for health insurance coverage. Many of these plans have strict conditions and it is crucial that the person purchasing the insurance is considering the needs of everyone else involved if selecting a family plan. Those purchasing a family plan are more than likely better off with a lower deductible plan which will allow them to pay less at the time of doctor visits and such.
Also, we can see what health coverage plans your employment offers. You have the option to go through with purchasing insurance from your work, but a lot of the time, the coverage isn’t what you need or expect it to be. Sometimes, these plans are less costly than those you may find on your own, but we will be sure to inform you if using your employer’s insurance is the most affordable route for you or your family.
To find the most affordable health insurance coverage, simply follow these steps: