WHAT TO DO ABOUT RISING HEALTH INSURANCE DEDUCTIBLES & OUT OF POCKET MAXIMUMS?
Since the Affordable Care Act was passed increasing health insurance premiums have been the norm. The only way to keep the premiums down has been to increase you deductible, coinsurance and co-pays, go to an HMO or go without.
Increasing your deductible might help with the premiums but what if you need your health insurance and you are a family member are faced with a $6000 or $7000 deductible or worse, it’s not covered at all because it was out of network? There is a solution that can help fill this gap: Supplemental Insurance.
Supplemental Insurance products are designed to fill the gap where major medical insurance stops. It pays YOU in the event of an accident or illness that keeps you from work. It pays YOU to cover deductibles, copays, and other costs like MRI'S, X-rays and other medical expenses or when the unexpected happens such as your child breaks a bone, sprains an ankle, or requires emergency medical attention.
Enrollment Starts November 15 to December 13th 2024.
Policies are Effective January 1st.
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