Roper Insurance Services
  • 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
      • Renters Quote
      • 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
  • Blog
  • About
    • Staff Directory
    • Agency Photo Gallery
    • Insurance Carriers
    • Client Testimonials
    • Refer a Friend
    • Local Links
    • Accessibility Statement
    • News
    • Reviews
    • Videos
  • Contact

Roper Insurance Services

Your Guide to Getting Health Insurance

10/27/2016

12 Comments

 
Picture
Health is wealth. But if you have health problems, it can easily drain your pocket. That is why it’s important to maintain a health policy.

​With rising healthcare costs, health insurance is a necessity nowadays. In fact, some companies use health plans as an incentive to attract and retain employees. But what if you’re a business owner? What if your employer doesn’t offer health benefits? Do you know what to do? Where to go? How to do it? Here’s a step-by-step guide to choosing the best plan.
Use the marketplace or purchase directly from an insurer.

If your employer doesn’t offer health benefits, you may shop at your state’s marketplace or the federal marketplace to find the lowest premiums.

You may also purchase directly from the insurer or through a private exchange. Note, however, that you won’t be qualified for subsidies.

Compare various health plans.

While shopping for health insurance, you’ll encounter the following types of plan.

HMO (Health Maintenance Organization).  HMOs have their network of providers. Thus, to get covered, you need to stay within that network except for emergencies. Should you need procedures and specialists outside the network, a referral is needed.  HMO is the best option for you if you are looking for lower out-of-pocket expenses and a primary physician that will coordinate your care for you.

PPO (Preferred Provider Organization). PPOs won’t require you to get treated by in-network providers. And while you have the freedom to choose doctors and hospitals, doing so may cost you. Choosing in-network providers is still less expensive. And because PPOs give you the freedom to choose, you won’t be needing referrals for procedures or to see specialists.

POS (Point of Service Plan). Although POS plans also give you the freedom to go out of network for treatments, you will still need a referral. And again, in-network care is less expensive with POS.

EPO (Exclusive Provider Organization). Like HMOs, EPOs needs you to stay in-network except for emergencies. However, you don’t need referrals for seeking care from specialists or for certain procedures.

Compare network of providers.

If you have preferred providers and you want to keep seeing them, ensure that they are within the network of the plan you’re choosing. You can ask your physicians directly if they are under a particular plan.

If you don’t have a preferred provider, on the other hand, you might want a plan that will give you more choices. A larger network is vital when you are living in rural areas so you’ll more likely find a local doctor under your plan.

Compare out-of-pocket expenses.

​The plan’s summary of benefits should clearly state how much out-of-pocket expenses will be. Note that cost-sharing options vary, so narrow down your choices based on out-of-pocket costs.


Compare benefits.

Check the summary of benefits to see which has a wider scope of coverage. Some may have better coverage for certain things, while others have better coverage for particular services. Choose a plan that is best for your current health situation.

If you still have more questions lingering, you might want to talk to the experts. Roper Insurance Services strive to provide health insurance according to your needs. We represent reliable companies that will give you the best coverages with the lowest rates. Get a free quote from us now! Call us at (828) 388-1851 or visit us today.
12 Comments
Nekopoi Care link
9/9/2023 10:20:44 am

Pet owners use snap edit to capture the personality and charm of their furry companions in photos.

Reply
My Car Import link
9/9/2023 11:43:00 am

Importing a car to the UK from countries with right-hand drive vehicles typically requires fewer modifications.

Reply
wild joker link
9/10/2023 04:13:14 am

Casinos employ odds and mathematical algorithms to ensure they maintain a profit margin in the long run.

Reply
5.0 road tax link
9/11/2023 11:15:17 am

Road tax enforcement agencies use various methods, including license plate recognition technology, to identify and penalize non-compliant vehicles.

Reply
metin2 link
9/12/2023 08:46:45 am

Board game cafes and tabletop gaming clubs have emerged as social hubs where players can gather to enjoy games together.

Reply
neworleansprofootball link
9/12/2023 09:44:08 am

The Sports Football Pro draft is a highly anticipated event, determining the future of franchises.

Reply
Ozwins link
9/14/2023 09:52:37 pm

Some people have turned their gambling passion into a profession, becoming professional poker players or sports bettors. It's a testament to the depth of strategy involved.

Reply
FairGO Australia link
9/16/2023 07:33:45 am

Many gambling casinos offer loyalty programs and rewards for frequent visitors, adding an extra layer of incentive to return and play.

Reply
Loose Leaf Tea Supplier link
9/16/2023 11:46:28 am

A wedding without flowers is like a sky without stars—lacking the enchantment and romance.

Reply
1Win Brasil link
9/17/2023 03:28:38 am

Some Brazilian betting sites offer cash-out options, allowing you to lock in profits or minimize losses before the event concludes.

Reply
Buy Black Tea Online link
9/18/2023 07:58:31 am

Tea suppliers like mine are the reason I can enjoy the simple pleasure of a cup of tea, knowing it's sourced and delivered with care.

Reply
boost followers ig link
9/20/2023 08:10:52 am

Share your company's journey and milestones on social media marketing sites. It humanizes your brand and creates a connection with your audience.

Reply



Leave a Reply.

    Share This

    Contact Us

    (828) 697-6709
    118 E Caswell St
    Hendersonville, NC 28792
    Click Here to Email Us

    Archives

    April 2025
    March 2025
    February 2025
    January 2025
    December 2024
    November 2024
    October 2024
    September 2024
    August 2024
    July 2024
    June 2024
    May 2024
    April 2024
    March 2024
    February 2024
    January 2024
    December 2023
    November 2023
    October 2023
    September 2023
    August 2023
    July 2023
    June 2023
    May 2023
    April 2023
    March 2023
    February 2023
    January 2023
    December 2022
    November 2022
    October 2022
    September 2022
    August 2022
    July 2022
    June 2022
    May 2022
    April 2022
    March 2022
    February 2022
    January 2022
    December 2021
    November 2021
    October 2021
    September 2021
    August 2021
    July 2021
    June 2021
    May 2021
    April 2021
    March 2021
    February 2021
    January 2021
    December 2020
    November 2020
    October 2020
    September 2020
    August 2020
    July 2020
    June 2020
    May 2020
    April 2020
    March 2020
    February 2020
    December 2019
    November 2019
    October 2019
    September 2019
    August 2019
    July 2019
    June 2019
    May 2019
    April 2019
    March 2019
    February 2019
    January 2019
    December 2018
    November 2018
    October 2018
    September 2018
    August 2018
    July 2018
    June 2018
    May 2018
    April 2018
    March 2018
    February 2018
    January 2018
    December 2017
    November 2017
    October 2017
    September 2017
    August 2017
    July 2017
    June 2017
    May 2017
    April 2017
    March 2017
    February 2017
    January 2017
    December 2016
    November 2016
    October 2016
    September 2016
    September 2015

    Categories

    All
    Annuities
    Auto Insurance
    Business Insurance
    Classic Car Insurance
    ​Commercial Auto Insurance
    ​Commercial Auto Insurance
    Dental Insurance
    Disability Insurance
    Event Insurance
    FAQs
    Final Expense Insurance
    Financial
    Flood Insurance
    Group Benefits
    Health
    Health Insurance
    Home Insurance
    Insurance
    Life Insurance
    Local
    Mortgage Protection Insurance
    Safety

    RSS Feed

Licensed to sell in North Carolina and South Carolina


Navigation

Homepage
Insurance Quotes
Policy Service
Insurance Products
Contact Us
Agent Login

Social Media

Facebook
Twitter
LinkedIn
​YouTube
Pinterest

Contact Us

Roper Insurance Services
118 E Caswell St
Hendersonville, NC 28792
(828) 697-6709
Click Here to Email Us
Review Us

Location

Website by InsuranceSplash
  • 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
      • Renters Quote
      • 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
  • Blog
  • About
    • Staff Directory
    • Agency Photo Gallery
    • Insurance Carriers
    • Client Testimonials
    • Refer a Friend
    • Local Links
    • Accessibility Statement
    • News
    • Reviews
    • Videos
  • Contact