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Picking a health insurance plan? Prepare for the unexpected

(BPT) – As many Americans know, fall is the season when we must select our health benefits for the upcoming year. Choosing a health plan can be a daunting task, but selecting the right coverage protects you and your family’s general health needs and can prepare you for an unexpected medical crisis. While no one plans on receiving a blood cancer diagnosis, for example, an estimated 173,000 Americans were diagnosed with leukemia, lymphoma or myeloma in 2017. As there are no means of preventing or early screening for most blood cancers, a diagnosis can often appear without warning. Well-planned health insurance coverage can make an important difference in how patients can fare in fighting the disease.

This year’s open enrollment season, which runs approximately from October to December, is your opportunity to consider your health benefits and plan ahead. With the cost of care for major health events and severe illnesses increasing every year, you will want to select a health plan that ensures you and your family are prepared in the case of a health emergency. The Leukemia & Lymphoma Society (LLS) offers three tips to consider when selecting your 2018 health plan.

Compare physician and hospital networks: Be diligent when choosing a plan. While it is important to compare plan prices, including co-payments, deductibles and premiums, it is equally important that your primary care doctor and any specialists you visit are part of the plan’s network. Not all plans cover every doctor, hospital or comprehensive cancer center near you, so review the plan’s network list carefully. You also can call your doctors and hospitals to ask if they are in the plan’s network. If your spouse or children are on your plan, you will need to consider their physicians as well.

Prepare for the unexpected: No one expects to receive a serious diagnosis like blood cancer, but it helps to be prepared. The cost of cancer care is rising at an alarming rate and these costs include more than drugs and doctor visits. From diagnostic tests to hospitalizations to special home health equipment, there are many hidden costs to having a serious illness. In fact, a recent survey conducted by Russell Research on behalf of The Leukemia & Lymphoma Society found that 84 percent of adults are not sure how they would cover all medical costs if they were diagnosed with cancer. That’s why it’s important to ensure that you have the coverage you’ll need at an affordable cost.

Pay close attention to the numbers: As you evaluate your coverage options — whether through an employer, Medicare, spouse or your parents — it’s important to estimate your health care costs for the following year carefully. Understand what your deductible and co-pays will be and take stock of where coinsurance will be required; review your health bills from the previous year to guide your choice, but make sure you are covered for unexpected health issues as well.

If you purchase health insurance from the federal or state marketplace, the plans you are offered will depend on your location and income. It is very important to make sure your personal information is accurate and up-to-date on the federal website, HealthCare.gov, or on your state’s website. Depending on your income, you could qualify to save on your insurance through advance premium tax credits. In fact, 8 out of 10 people who purchase insurance through the marketplace are eligible for lower premiums. Open enrollment in the marketplace will run this year from Nov. 1 through Dec. 15.

If you or a family member had or has cancer, or are at risk for cancer, there is a checklist available at www.cancerinsurancechecklist.org that can help you choose the right plan when shopping on the health insurance marketplace. The Leukemia & Lymphoma Society also provides free information and resources about health insurance coverage for people living with cancer at www.lls.org.


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* Queen Creek AZ Health Insurance
Go To — http://www.IronsFamilyInsurance.com
Or Call: 602-573-4198

Hi, my name is Matt Irons. I specialize in helping people save money and have peace of mind by providing quality health insurance plans in Queen Creek AZ. I have helped many people prepare for that unexpected time of trouble at a very affordable price. Allow me to provide you with a NO hassle, NO obligation FREE Health Insurance quote. Thank you for the opportunity to serve you, I am here to help you every step of the way and answer any questions you may have. Queen Creek AZ Health Insurance

To help you further in your search for quality health insurance, I have created a special report to help take away any confusion that you may have.

Download my FREE Report To help you understand your health insurance choices in Queen Creek AZ Health Insurance

http://www.ironsfamilyinsurance.com/Documents/CrackingtheHealthInsuranceCode1.pdf

Queen Creek AZ Health Insurance: Get Another FREE Report: “7 Costly Mistakes People Make Buying Health Insurance”

http://www.ironsfamilyinsurance.com/Pages/freereport.aspx

1. Use a qualified health insurance agent. When you are looking for a good health plan it is important to work with an agent with experience and knows what plans will work best for you. A knowledgeable agent will know how to customize plans to save every dollar and provide you with excellent coverage.
2. Review your usage of your current health insurance plan. In other words, see what benefits you are using and how often. For example, doctor’s office visits. How often are you going to the doctor each year? Most people only go to the doctor once or twice. A lot of times the plan they have include “unlimited” office visits with a co-pay. If you choose a plan that allows you to go with a “set” number of co-pay visits per year (like 4 or 5) you can save about 20% or more per month, saving you hundreds per year.

3. Don’t Smoke, if you do QUIT!!! By being a non-smoker you are saving money already. For those of you that are smokers, you are adding to your premium a least another dollars or more a month.

4. Remove the bells and whistles. This kind of goes back to the second tip, but goes a little further. If you hardly ever go to the doctor why even pay for that benefit each and every month. Just pay for the visit out-of-pocket when it happens. If you are using a doctor within your PPO network you will experience a reprised amount anyway. For example, generally a primary care doctor visit is about , when it gets reprised because of the PPO you will only pay about , generally speaking. These types of plans are usually called Catastrophic Plans. These types of plans are saving people a lot of money each and every month.

About Matt Irons and Irons Family Insurance: Queen Creek AZ Health Insurance

4890 E Whitehall Dr Queen Creek, AZ 85140‎
Queen Creek AZ Health Insurance
(602) 573-4198ironsfamilyinsurance.com
Health Insurance Broker, Queen Creek AZ. I help people save money on their Arizona Health Insurance plans. Call Today for a FREE Quote!

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