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Roper Insurance Services

3 Questions to Answer When Looking for a Health Insurance

9/28/2017

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Nothing is more important in life than your health, which makes purchasing the right health insurance pretty essential. However, choosing a plan can be a bit overwhelming and time-consuming especially if it’s your first time. To make it easier for you, here are 3 ways to make the process easy for you.
1. What Is the Annual Rate of the Health Insurance?
Do not focus on the monthly premium when choosing a health insurance plan. Calculate the amount you may have to pay for the entire year, including the treatments, prescriptions, and services. You can begin by doing a calculation of the medical expenses of your family for the last few years. This includes the money spent on prescription drugs, out-of-pocket expenses, and health premiums.

Now, you need to evaluate what you can and cannot afford. Are any of your family members taking medications or undergoing treatments? How often do you see your doctor within a year? Are you seeing a specialist? These are some important factors to consider to get a health insurance plan that suits your needs.

Be realistic in determining how much you can afford including the deductible and the out-of-pocket expenses. If you prefer to have a lower monthly premium, select a high-deductible plan. Consider combining it with an HSA (Health Savings Account), as it provides a pre-tax dollar savings account and lower coverage.

2. Are You Happy with Your Present Doctor and Clinic?
If you are satisfied with the services from your local clinic and physician, find out if they belong to a network. After that, make sure that your health insurance provider includes this network in their policy. It’s best to stay with your present provider if you want a short-term medical insurance coverage or high-deductible plan option.

3. What Is the Right Health Insurance Plan for You?
Make sure to know everything about your health insurance plan. What are the additional services and their limits? Does it cover prescription drugs, surgery, immunizations, well-baby programs, mental health benefits, maternity and other healthcare services?

An easy way to do this is to consider the physical and financial situation of your family. Consider the deductible, coinsurance, copay, and premium. Make a list of the things that are essential to your family in terms of health. Study each plan and look at the benefits that it provides for your loved ones and get the right plan for you.

Your health partner should be as protective of you and your loved ones as you are. At Roper Insurance, we take pride in making sure our clients are well-protected at prices that they can afford. To learn more about how we can help you please contact our agency at (828) 697-6709 or Click Here to request a free quote.
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  • Home
  • Quotes
    • Life/Health/Financial Products >
      • Life Quote
      • Health Quote
      • Annuity Quotes
      • Critical Illness Insurance Quote
      • Dental Insurance Quote
      • Disability Quote
      • Final Expense Insurance Quote
      • Group Benefits Insurance Quote
      • Long Term Care Insurance Quote
      • Medicare Supplement Coverage Quote
      • Vision Insurance Quote
    • Property/Casualty Insurance Products >
      • Auto Quote
      • Homeowner Quote
      • ATV Insurance Quote
      • Business Quote
      • Boatowner Quote
      • Business Owners Package (BOP) Insurance Quote
      • Classic Car Insurance Quote
      • Condo Quote
      • Earthquake Insurance Quote
      • Event Insurance Quote
      • Flood Quote
      • Landlords Insurance Quote
      • Insurance Bonds Quote
      • Motorcycle Quote
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      • Roadside Assistance Quote
      • RV Insurance Quote
      • Travel Quote
      • Umbrella Quote
  • Service
    • Report a Claim
    • Make a Payment
    • Update Contact Info
    • Policy Changes
    • Proof of Insurance
    • Contact My Carrier
    • Online Documents
    • Free Consultation
  • Products
    • Life/Health/Financial Products >
      • Life Insurance >
        • Final Expense Coverage
        • Mortgage Protection
      • Health Insurance >
        • Medicare Supplement Coverage
      • Annuities
      • Critical Illness Insurance
      • Dental Insurance
      • Disability Insurance
      • Final Expense Insurance
      • Financial Planning
      • Group Benefits
      • Long Term Care Insurance
      • Vision Insurance
    • Property/Casualty Insurance Products >
      • Auto Insurance
      • Home Insurance
      • Business Insurance
      • ATV Insurance
      • Boat Insurance
      • Business Owners Package (BOP) Insurance
      • Classic Car Insurance
      • Condo Insurance
      • Earthquake Insurance
      • Event Insurance
      • Flood Insurance
      • Insurance Bonds
      • Landlords Insurance
      • Motorcycle Insurance
      • Renters Insurance
      • Roadside Assistance
      • RV Insurance
      • Travel Insurance
      • Umbrella Insurance
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