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When shopping for health insurance, there are a plethora of important questions you'll need to ask and find the answers to (perhaps, with the help of an experienced health insurance agent), including what kind of deductible to choose, how to minimize out of pocket expenses, and how to calculate your likely healthcare needs for the year ahead.
It's not enough to just offer great benefits to your employees and to make them aware they exist. The third leg of the stool is being available to help educate your workers on the ins and outs of each benefit and give them the knowledge they need to make wise choices in this arena.
Having the wrong expectations when shopping for health insurance can lead to one of two negative consequences: becoming over-insured or becoming under-insured. A good health insurance agent can help you find the perfect balance so you won't be disappointed with your policy's benefits or overwhelmed by its premiums.
Many people focus too much on the premiums when choosing a health insurance plan, but out of pocket costs are just as important a factor. And what kind of a deductible, if any, your plan has is one of the biggest out of pocket considerations.
No one insurance policy is going to cover you against all medical risks and the impacts of a serious accident or illness. The best strategy, therefore, is to combine several key types of insurance so that one type can fill in the "gaps" left by the other(s).
There are many common myths about health insurance agents that make people wrongly conclude that they shouldn't use one. This is why so many people miss out on the great help that a health insurance agent or broker offers them free of charge.
Employers who are trying to formulate the ideal employee benefits package should take advantage of professional benefits consulting to give them ideas and to guide them through the legal and HR details of turning such ideas into successful realities.
If you were insuring your car or your home, it would be easy to place a fixed value on the object insured and decide how much insurance to buy on that basis. But when you are protecting yourself against potential medical expenses, it's impossible to know for sure how much you and your family might use across the next 12 months.
The large majority of US adults have multiple cavities, suffer from some form/level of periodontal disease, or have another major dental needs. And yet, most people fail to protect themselves with dental insurance before they get hit with hundreds or thousands of dollars in dental bills.
We all have to plan ahead financially for our retirement years or face the unpleasant consequences of not planning ahead. But today, there are so many different retirement strategies touted in the public square that it can be hard for the uninitiated to decipher which approach is truly best.