Shopping For Health Insurance?

Got Health Insurance?

(Call toll free to get a health insurance quote: 877-422-7038.)

It is November and time for Open Enrollment.  Employers have rolled out the medical, dental, vision and cafeteria plans that they will offer next year.  Employees are busy reviewing and comparing plans to see which works best for the family while being relatively easy on the wallet.  If you are like me, you might have found that health insurance premiums are going up.  In fact, if you work in America and are offered health insurance by your employer, you will notice a sharp increase in premiums.

(Call toll free to get a health insurance quote: 877-422-7038.)

Here is an example.  Currently, I pay $470 per month in health insurance premiums for my family of five.  The plan is expensive, but it works for us.  There is no deductible.  Additionally, the co-payment amounts are $20 for our primary care physician (PCP) and $25 for specialists.  To top it off, the plan offers self-referrals to specialists.  You can say that we pay for what we get.

(Call toll free to get a health insurance quote: 877-422-7038.)

Let us fast forward to next year, 2011.  My current plan will see several changes.  Monthly premiums will increase to $580.  The “no deductible” feature that we currently enjoy will be a thing of the past.  And, while the deductible will not be enormous - $250 per person and $500 per family – now we will only be covered for 90% of all procedures, after the deductible is met.  Thankfully, the co-payment amounts remain unchanged - $20 for PCP and $25 for specialists.

(Call toll free to get a health insurance quote: 877-422-7038.)

What now?  We anticipated changes, but not so much so quickly.  Like many others, we are forced to review and compare several healthcare plans to see which works best for our family and is “easy” on the wallet.  I have four plans to choose from and the features are mixed.  While one offers a lower premium, the deductible is much higher.  And for yet another – a HMO – the premium is much lower than I pay now, but the deductible is $3,000 per family and the co-payment is $40.  It will take some playing with the numbers to see which plan is best, but there will not be an easy choice.

(Call toll free to get a health insurance quote: 877-422-7038.)

Nevertheless, I am thankful that I do have choices and that my employer is still sharing the cost of health insurance.  Sadly, there are still close to 16 million people without jobs and therefore do not have employers to help with their healthcare coverage.

If you do, count it as one of many blessings.

Finally, if you or someone you know are shopping for health insurance feel free to contact the Health Insurance Mega Store for a quote.  They compare plans from multiple providers and tell you what works best for your situation.  The call is free: 877-422-7038.