Do you know your best options? Open Enrollment is NOT the best fit for everyone. Here’s why:
You vs. Insurance
It’s a messy world out there. A messy insurance world where not much makes sense. All options ultimately appear the same and words like premium rate increase, deductibles and coinsurance are thrown around in marketing pitches. Health insurance jargon is confusing! And through all the hassle, all you really want is the best bang for your buck on an insurance policy that’s going to cover you when you need it most.
In America, there are just some things that cannot go without insurance. Your home, your vehicle, your phone, and too often last on that list, is your health! You know…your mind and body, the things that matter most, even over your material possessions. People are more likely to insure their iPhone than their health. Let’s face it; if something happens and you can’t afford those pricey specialists, or physical therapy visits for a broken limb without health insurance, renewing your phone’s cracked-screen warranty will be the least of your concerns. Yet, most people neglect getting health insurance for as long as they can put it off. Why is that?
From my experience, it’s because it’s so darned confusing for the average consumer. At a glance, it can APPEAR very expensive. That’s because most consumers are not even aware of all their options, but there is a very simple solution.
Just like you’d consult with a doctor when you get sick, seek out the most experienced realtor when you want to buy your first home, or trust a financial advisor to manage and grow your wealth, you need to consult with a health insurance advisor when shopping around for your health insurance plan. Or, wind up with coverage that doesn’t fit your needs, usually at more cost to you.
Licensed health advisors are more knowledgeable about the classifications and type of health insurance options out there and which category or type makes sense for you. For example, a terminally ill individual who requires frequent visits to large hospital systems does NOT have the same health insurance needs as a young healthy family who only goes in once a year for their annual check-up.
Did you know that there are plans available to fit the molds outside of the Affordable Care Act (ACA) marketplace, and outside of the traditional open-enrollment period? And the best part? It costs nothing to speak to a licensed health agent to get personalized quotes and learn your options. Their job is to help you find the plan that works best for you.
Why choose me to advise on your best heath insurance option?
As a licensed medical doctor, I have served areas of extreme poverty in South Asia and have had first-hand opportunities to explore and experience health systems, and how they impact healthcare delivery.
Additionally, as a certified public health professional specializing in global health practices, I have been able to systematically study healthcare systems across the world and analyze what works “best”. The United States uses a mix of delivery and payor systems borrowed from parts of Europe, Asia and the Americas and clumsily integrates it into our federal and state structure of government, which respectively has varied influence and roles in healthcare delivery.
Furthermore, constantly-changing laws and the metamorphosis of the Affordable Care Act under different administrations makes options change with the seasons. In short, this is very confusing for a consumer in terms of what they have access to at what time of the year.
I can help you figure out your options with a short phone call where I will learn about your lifestyle and situation. Using that information, I can find the best, current options available, given your income and health status. As a medical doctor, my specialization has naturally inclined me towards medically underwritten health insurance policies. This means that after a quick evaluation of your health status, I can advise customized plans that give you the most value for your hard-earned money. These plans not only provide protection for your health and body, but also reward you for being a healthier person.
Learn your best options before making a decision.