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The number one question that all other questions lead to when it comes to selecting your best health insurance plan is simple: how much would I have to pay out of pocket?
Determining the answer to this question will involve many variables and many health-plan details, which is why it pays to talk to an experienced health insurance agent to make the calculations.
What Are The Major Out Of Pocket Costs?
There are a number of different areas where you can have out-of-pocket healthcare expenses despite having health insurance. After all, no one could afford a health plan that literally covered every possible expense 100% no matter what.
We see that there are at least 4 areas where out-of-pocket costs arise:
How Can A Health Insurance Agent Help?
Not only can a health insurance agent expose you to your full range of options, but he or she can also dig into the details of how each plan works. That means your agent will outline for you all the possible out-of-pocket costs you could be hit with under a given plan.
The total effect of deductibles, copays, coinsurance, and exclusions must be taken together and seen in the light of premium amounts and your likely annual healthcare needs. This means "playing around with" scenarios that are plugged into each plan to see what the results would be. A health insurance broker can make this process much faster and simpler.
To talk to an experienced health insurance agent who is not tied to a particular insurance company but has your best interests at heart, contact Summerlin Benefits Consulting today. We can guide you through the insurance selection process step by step and help you apply for your ideal plan!