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3 Tips To Finding Health Insurance in Alabama

state of Alabama


There is a whole lot to consider when trying to track down a high quality health insurance plan.   Unless you are a practicing insurance broker that works with health insurance all the time, there are a lot of key important issues that you will certainly miss. 

Why finding affordable health insurance is so difficult.

There is a myriad of reasons as to why it is so difficult to find quality health insurance today.  For starters, the health insurance industry is in a state of flux.  There are changing rules and guidelines that are affecting the health insurance market in increasingly unpredictable ways.  Our country is generally undecided about what type of health care system it truly want.  Do we want a system that guarantees coverage for everyone - structured in a way similar to Medicare?  Or do we prefer a system that is entirely managed by the private sector?  Politicians, on both sides of the aisle are continually sniping at each other.  Consumers have been caught in the crossfire.

Secondly, there are a lot less dedicated health plan brokers than there used to be - the kind of professional willing to go that extra mile to assist an individual or family find an ideal health plan for their needs.  Much of the one-on-one personal service that the previous generation had come to expect, simply doesn't exist today.

The good news is, you have landed upon a first-rate source for assistance.  We are experienced professionals and are happy to help.  Read on for tips on how to find great health insurance coverage in Alabama.  When you finish this article, be sure to give us a call.

Good to know:  High-deductible plans come at a cost: You'll pay less each month in terms of premiums, but if you do have to use any medical services, you'll pay out of pocket for longer thanks to that high deductible.  Still, if you're looking to lower your monthly costs and you're someone who doesn't frequent the doctor often, high-deductible plans are a valid option.


Tip Number 1.  Check with your employer

This is the logical first step.  Whether your employer provides a health insurance package for their employees doesn't matter.  Employers almost always have extensive knowledge concerning health insurance issues - even if they don't offer it.  Bring up the subject with your supervisor.  Ask what he/she knows about it.  You will likely be surprised.



Group Insurance Through Your Employer

If your employer offers health insurance benefits and you qualify, your health insurance search just might be over.  Find out as much as you can about their employee package, as soon as possible.  There may be a time delay before you can qualify for benefits.  If so, you may need to pick up a Short-Term insurance plan to cover the time that you are ineligible for coverage.  Whatever you do, don't go without coverage.  It's not worth the risk

What if your employer does not offer group insurance?

If your Fort Myers employer does not offer group health insurance, or the waiting period to qualify if prohibitively long, you should purchase your own private insurance.  Gather what information you can from your employer and co-workers and begin your research online.

Tip Number 2.  Check with the Alabama department of insurance.

Visit: Alabama Department of Insurance.  Visit this government site to discover what health plans are available in Alabama.  You will find a wealth of information that will help you to make a more informed health insurance plan decision.

Also visit: Healthcare.gov.  This is where you can review the Affordable Care Act health plan options.  You will find a wealth of information on health plans and health insurance companies that are available in Fort Myers.  Keep in mind, HealthCare.gov, may not have an ideal solution for your circumstance.  You may not qualify for an ACA plan, or you may have missed their relatively narrow open enrollment period.

Good to know:  Before purchasing a health plan, ask questions.  Call the member services department of the health plan you're considering and ask: Which doctors, hospitals, clinics or pharmacies participate in the plan?  How much does it cost to go out of network?  Am I covered during a travel emergency?  What is the premium and out-of-pocket costs?  What is the most I'll have to pay out of my own pocket to cover expenses?  Exactly what benefits are covered by the plan and what isn't covered?  How are disputes about a bill or service handled?  Then verify the information you were given by comparing it to the plan's benefit details.



3.  Contact a health plan specialist.

Speaking with a true health insurance specialist will be the best way to sum up all the information you acquired and turn it into a smart health plan choice.  When it comes to choosing the right health care plan, knowledge and expertise are the most important factors.



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