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As most people are aware by now, the President of the United States signed into law in March of 2010 a set of health reform laws entitled The Patient Protection and Affordable Care Act. However, what many people do not understand is that most of the provisions under this new reform do not take effect until year 2014. As such, not much has changed as it relates to health insurance today and you still have the numerous choices that you had before the new law was passed.
There are many choices in the market today for health insurance both in terms of companies and plan designs. In fact, there are at least 26 different insurance companies offering health insurance in the State of Arizona. Taking into account varying deductible levels and different plan designs offered by each company, you literally have hundreds of choices. How then do you go about picking the plan that is best for you, your family or your business?
 Many people think that by researching their health insurance choices on the internet, they will save money. The truth is that whether you apply for health insurance on-line or the old fashioned way by speaking directly with an insurance professional, the cost of the insurance is identical. By law, insurance companies in Arizona must publish their rates with the Arizona Department of Insurance and must charge a customer their published rate regardless of how the insurance is found or applied for. More importantly, if you use an insurance professional that works with multiple, reputable and price competitive insurance companies, he or she can cut through the confusion you will undoubtedly experience by looking for health insurance on an impersonal website such as eHealthInsurance. For example, should you assume that a BlueCross BlueShield Portfolio plan provides similar coverage to a HumanaOne Portrait plan simply because the major medical deductibles are the same? What about the other variables such as coinsurance rates, out of pocket maximums, copays and annual limits on coverage? If you understand all of those variables, do you also know about health care provider network strength where you live or the insurance company’s history of rate increases?
Unless you are an insurance professional that spends a lot of time researching health insurance and has seen how numerous plans actually work, you are not expected to make an informed, reasoned and correct choice from the hundreds of available plans. Otto & Wilhelm Insurance is an independent insurance agency that specializes in health insurance in the Prescott area. We work with multiple insurance companies that have plans that are best suited for our limited geographic area. We are mindful of not only coverage and price, but also health care provider availability. It will do you no good to have the least expensive plan if the local hospital does not accept it. Simply put, choosing the right plan for Prescott might well be different from choosing the right plan for a major metropolitan area like Phoenix. Let us help you make the best choice by calling us at 928-445-6466 or toll free at 800-717-4321.
There are many choices in the market today for health insurance both in terms of companies and plan designs. In fact, there are at least 26 different insurance companies offering health insurance in the State of Arizona. Taking into account varying deductible levels and different plan designs offered by each company, you literally have hundreds of choices. How then do you go about picking the plan that is best for you, your family or your business?
Many people think that by researching their health insurance choices on the internet, they will save money. The truth is that whether you apply for health insurance on-line or the old fashioned way by speaking directly with an insurance professional, the cost of the insurance is identical.
By law, insurance companies in Arizona must publish their rates with the Arizona Department of Insurance and must charge a customer their published rate regardless of how the insurance is found or applied for.
More importantly though, if you use an insurance professional that works with multiple, reputable and price competitive insurance companies, he or she can cut through the confusion you will undoubtedly experience by looking for health insurance on an impersonal website such as eHealthInsurance. For example, should you assume that a BlueCross BlueShield Portfolio plan provides similar coverage to a HumanaOne Portrait plan simply because the major medical deductibles are the same? What about the other variables such as coinsurance rates, out of pocket maximums, copays and annual limits on coverage? If you understand all of those variables, do you also know about health care provider network strength where you live or the insurance company’s history of rate increases?
Unless you are an insurance professional that spends a lot of time researching health insurance and has seen how numerous plans actually work, you are not expected to make an informed, reasoned and correct choice from the hundreds of available plans. Otto & Wilhelm Insurance is an independent insurance agency that specializes in health insurance in the Prescott area.
We work with multiple insurance companies that have plans that are best suited for our limited geographic area. We are mindful of not only coverage and price, but also health care provider availability. It will do you no good to have the least expensive plan if the local hospital does not accept it. Simply put, choosing the right plan for Prescott might well be different from choosing the right plan for a major metropolitan area like Phoenix.
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To let us help you make the best choice please contact us.
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