Health insurance confuses most of us—oh ya! We are lost between not having enough of the right information, having too much differing information, and not understanding the information we have. What do I need? What can I afford? Will I be covered in case of…? Where to turn? Help is at hand through your independent insurance agent, he or she has the experience to help.
For example, Blue Advantage, a PPO, allows you to pick a doctor, hospital, and specialist in your area. You decide who you want for regular health management, and who will provide care should a serious health care issue arise. Benefits and deductibles are offered in variable options to suit individual situations. A network team is available with online resources and to assist in health management for chronic health problems. This plan offers the most flexibility, including individual coverage for a child. Blue Options has decidedly lower premiums and allows the holder to combine a high deductable with an individual health support plan. You are covered for major medical, and preventative care costs are covered 100%. These are critical matters for everyone, so contact an independent insurance agent for guidelines and considerations for these and other plans.
Your agent will be familiar with all the factors you need to weigh. Some issues to evaluate are where you are in respect to life style, age, health, family, employment, retirement, and of course budget. Your agent will help you compare plans, options, and benefits.
A review of the terms will make it easier to get started. Understand the differences in PPO, HMO, and HSA’s, a tax-free health savings account to cover out of pocket medical expenses. Become familiar with individual and family plans, high and low deductibles, and co-pay and co-insurance to make the process of choosing a health plan easier.
Blue Cross Blue Shield of North Carolina, offered through Osborne Insurance Services, Inc., provides coverage to match all its clients’ requirements. With BCBSNC you can quickly and easily enroll to take advantage of customized programs. You will discover discounts on health related products and services and become a self-advocate for improved health and better health care. You will be able to make some preliminary choices with the comprehensive information on their website. Terms and rates are clearly explained as are your options. Check out their website to de-mystify health insurance; confusion will become understanding.
