Affordable Health Insurance

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Personal Lines

As an independent insurance agency, personal lines is an important part of the products

and services we provide to our clients. We have the privilege of servicing over 12,000 personal lines policyholders. Our agency’s goal is to develop long-term relationships with all of these clients, providing the safety & security that is required to protect their personal possessions and the income flows of their families. The insurance carriers we represent are among the best and share our desire & commitment in servicing your financial needs. These carriers all have A (excellent) ratings by A.M. Best, a sign of financial strength and the ability to pay claims. Our clients can be assured that the carriers we represent are fiscally responsible and highly responsive to the needs of our clients in any claim situation.  Go to the page
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Life & Health Insurance

At Body-Borneman, we know that our clients have more than automobiles and homes

to protect. That’s why we organized our life and benefits department back in 1962. For over 35 years, we’ve been helping customers to protect their health, incomes and savings from the risk of financial loss, including: We pride ourselves in the abundance of products and services we have available to meet your insurance needs. We are staffed with professional agents at all 3 of our locations, who can assist you with any insurance need you have .  Go to the page
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Commercial Lines

Body-Borneman specializes in Commercial insurance, with over 2,000 clients

Regardless of whether your business is manufacturing, wholesaling, contracting, retailing or service, we can find and tailor a program to match your needs, whether through traditional insurance products – or more creative, self-insurance captive programs As an independent agency, Body-Borneman represents a large assortment of today’s most competitive carriers for many industries. Having ready access to these markets makes us uniquely qualified to tailor to your specifications a package of protection.  Go to the page
Companies We Represent

Welcome to Body Borneman Insurance

Looking for Affordable Health Insurance

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 Health Coverage within Your Budget

 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:

 

  • The first step would be to find health insurance plans that cover the facets that you and/or your family need most.
  • We will contact health insurance companies and discuss the different options. By answering many questions, we can target specifically what you are looking for in a health insurance provider. Typically having a list of questions, blank paper, and a pen prepared before making phone calls is always a wise decision. This will help us to remember who quoted what and what is covered under their various plans for health coverage. It will then allow us to go back to the information when it is time to weigh out the options and help you make a decision.
  • Don’t be in too much of a hurry. With all of the different options available to you, really considering the options and the cost of each plan is necessary. There would be nothing worse than purchasing health insurance from a company that can’t adequately satisfy your wants and needs.
  • Taking your budget into consideration, but don’t let it completely deter you from purchasing the health insurance you feel you need most.

 

Things to Consider

 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.

 

Simple Steps to Follow

To find the most affordable health insurance coverage, simply follow these steps:

 

  • Come up with a budget plan and set a maximum for what you can spend on health insurance every month.
  • See what your place of employment could offer.
  • Do some Internet research.
  • Contact us to inquiry the exact types of coverage you and/or your family need.
  • Get quotes from us on several affordable health insurance plans that you can be happy with.
  • Keep track of all your research and create a list of questions to ask us when you are ready to obtain affordable health insurance.
  • Take your time. Don’t just settle for any affordable health insurance.