Many people struggle to understand the terms of their prospective or current insurance plans. Having an insurance agent that can help you with the complexity of shopping for health insurance is a life saver. They understand the different options that are available and are able to help you find the plan that fits your lifestyle and budget.
It’s important to know which conditions, procedures, and medical tests are covered under your plan, the financial details, and options for your choice of doctors. Your agent at Unity Health Advisors is available to help you navigate the multiple choices you have at no charge. For instance, Unity Health Advisors can help you with these issues:
Pre-Existing Conditions – Thanks to the Affordable Care Act, no insurance provider can turn someone away because they have a pre-existing condition (like asthma, cancer, or diabetes.) However, if you have a pre-existing condition, you need to consider what you need from your insurance in order to manage it. Benefits, out-of-pocket expenses, prescription medications and treatments, and provider network vary substantially from one plan to another.
Prescription Drugs – If you take recurring prescription drugs, some health insurance plans will cover certain drugs at lower costs and others have a flat fee. Either way, you’ll want to know what your out-of-pocket expense will be.
Providers – Provider networks vary from one carrier to another, so your agent can compare the provider lists for the various plans you’re considering. If you want to keep your current provider, you’ll need to see if they are in-network or out-of-network. Also, if you travel out of state or out of the country quite a bit, your agent can help you get coverage while you’re not in your home state.
So, you can see how a Unity Health Advisors agent can help you choose the best health insurance coverage for you and your family.