Simply evaluating individual health insurance coverage : EasyToInsureME : Chad Levin

Simply evaluating individual health insurance coverage.

Keep it simple

Simple is easy to put it if you know what to look for in your individual health insurance plan. To be a good plan the usual person likes to have copays for health care services such as doctors, emergency room visits, medicine, and annual routine checkups for preventative care. A small cost in the grand scheme of things when being admitted to the hospital is also a great feature this is called a deductible. The great thing about copays is that once you pay that set amount you do not pay a cent more and the services that have copays are the most utilized health care services. The less utilized services are ones such as x-ray, lab tests, and admittance to the hospital with an overnight stay. You pay for these services until your annual deductible is met for the year, which is a small price to pay in the grand scheme of things.

What should I choose?

Based upon comfortability and the amount of risk you are willing to take is the real question here. At age 40 you will need better individual health insurance coverage with a lower deductible. However, from age 18 to 30 a higher risk plan will fit perfectly.

Age 18-30

Being young is great and a lot less risky to your health. EasyToInsureME recommends that young adults in this age group select a higher deductible plan with copays for doctor visits, emergency room, and medicine. Everyone gets the common cold and has to go to the doctor once in a while and get medicine. These services are fully covered. To keep the individual health insurance affordable and since there is less risk with being young, this age group can afford to have a deductible around $2500 or less for hospital stays. For a male this insurance will cost less than $100 per month.

Ages 31-40

Family health insurance and individual coverage at this age can be affordable if you work with a knowledgeable broker that offers every plan in your area like EasyToInsureME. Most families in the U.S. pay 1200-1800 per month for their health care. At EasyToInsureME you will pay between $300 and $700 for your family health insurance plan. How is this possible? Well, people in this age group have finally secured a job and are receiving benefits from work. The benefits from work cost thirty percent more than if your family had their own plan. The reason why is because the amount of people the risk has been assessed to.

Ages 41-65

Getting older is a great gift but can be a burden on your health. This is why EasyToInsureME recommends the best of individual health insurance plans during these years. A great plan will cost about $300 per month and can provide you with the best of care at a very low cost. Along with low medicinal and doctor copays. These plans are built to lower risk and provide low costs for all healthcare services.

P.s.

EasyToInsureME offers clients the easiest way to buy individual health insurance. Free services include instant online health insurance quotes, custom proposals for each client, free phone consultations, and 10-minute application by phone. Nobody does what we do for our clients!