How to Determine the Best Healthcare Plan for You

The new Affordable Care Act allows you to choose from a variety of healthcare plans. While it is good to have choices, the amount of plans you have to go through can be overwhelming. The following tips on how to determine the best healthcare plan for you will help you choose the right plan.

Schumacher Insurance Agency

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  • Figure Out What You Need: It is natural to choose the insurance with the lowest premium, but try to look beyond the cost. Figure out what you want and need the most, from keeping your doctor to specific tests. When you narrow it down to a price range and features, you can start from there when sorting through plans.
  • Find Out What Is Covered: It is best to find out what doctors and hospitals are fully covered before signing up for insurance. Some plans restrict the doctors and hospitals, while others cover almost all providers. This is very important if you wish you keep your current doctor and hospital.
  • Take Note of The Complete Cost: You cannot rely on the lowest monthly premium alone when choosing an insurance plan. There are five factors you need to keep in mind when choosing insurance, and they are the premium, deductible, co-payment, coinsurance and out-of-pocket maximum. Please keep in mind that the lowest monthly premium may not cover everything, such as an emergency or overnight hospital stay.

If you need additional tips on how to determine the best healthcare plan for you, the staff at the Schumacher Insurance Agency is ready to help you choose the plan that best fits your lifestyle. We are certified, experienced and willing to pass our knowledge onto our clients.

When you are ready to choose a healthcare or insurance plan, contact us and we will get back to you in a timely manner.


About Schumacher Insurance Agency

Why trust us? What do we do different than every other insurance agency? Consider this an invitation to get to know us. We believe we are an exceptional team of protection specialists that work hard to do things the right way, to educate our clients on insurance, and make the experience effortless. We are excited to introduce a new insurance experience for our customers. We encourage you to speak with our team who can show you how different we are… from text messaging services for late payments to educational insurance concepts on Facebook. We will prove our innovative approaches to obtain the proper coverage’s for you, your family, your business. Insurance is likely not the most interesting affair for everyone, but it is most certainly ours! Yes, we are insurance geeks!

Posted on January 15, 2015, in Agency, Uncategorized and tagged , , , . Bookmark the permalink. Leave a comment.

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