Health Insurance: How Much Do You Save?

Diseases, accidents or alterations in health conditions can happen to anyone, anytime. This can lead to increased worries including payment for high healthcare costs. Having health insurance can help a person save more by paying for healthcare fees.

What Health Insurance Covers
Health insurance is a type of insurance that provides payment for medical and surgical fees of a person who is insured. Health insurance has a wide variety of covered services that may vary depending on the plan that a person has enrolled in.

Most services included in health insurance plans are outpatient and inpatient care, emergency services, and laboratory and diagnostic procedures. Moreover, these can also cover newborn care and pediatric services, mental health promotion, rehabilitative care, and preventive actions such as screenings, counseling, vaccination, etc.

How Health Insurance Protects You From High Medical Costs
People who are not covered with insurance are at increased risk for paying high medical costs. Health insurance can protect them from this circumstance in three ways:

• Lower Costs After Payment of Deductibles
When the money you spent on services covered reached the plan’s deductible, the insurance pay for the medical fees up to 60-90%.

• Out-of-Pocket Maximum
No matter how much coverage you have, this is the only total amount of money you to pay out of your pocket.

• No Lifetime Limits
Health plans can’t put a limit on how much they can spend yearly on essential health benefits.

Ways to Save More with Health Insurance
To fully maximize the money that you could save from getting health insurance, there are other things you could explore. First, before enrolling in health insurance, evaluate your health needs and purpose of getting the plan. Second, assess how much you could pay monthly or on a yearly basis. Moreover, compare the insurance offers and secure the plan that is most appropriate for you.

You can consider talking to a broker to guide you in getting health insurance. A broker can help you understand the basics of the insurance policy, find more options and alternatives, and negotiate costs and discounts. And most importantly, be responsible in managing your healthcare costs and be updated with the medical bills.

Conclusion
Everyone deserves affordable healthcare. Medical and surgical expenses might not serve as hindrances for people to have an optimum level of function. Make sure to protect your health by getting health insurance. At Dave Silver Insurance, we work hard in making sure that our clients are well-protected with policies that they can afford. To learn more about how we can help you, please contact our agency at (941) 907-2879 or Click Here to request a free quote.

WE’LL ANSWER YOUR MEDICARE QUESTIONS

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Testimonials

I was turning 65 and was getting inundated with mailings and phone calls. I even had insurance agents knocking on my door. I didn’t know where to turn or who to TRUST. I was referred to Dave Silver by a friend of mine. Dave went over all my options. He answered every one of my questions. He knows his stuff!!! Because of Dave’s work, I chose the best plan that worked for me. My wife will be getting Medicare next year. I have Dave’s phone number on speed dial. R. Irwen

Yesterday, I called Dave Silver Insurance company to inquire about quotes for Medicare supplemental Plan F and prescription coverage for both my wife and myself. He requested information about our medical needs and which prescriptions we currently use. He kept his promise to get back with me within a few hours. Dave presented us with all of our options. He made our decision quite easy and it saved us a lot of money. He was an absolute pleasure to work with. Saul E.

I was really confused about my Medicare. That’s when I called Dave Silver. He was able to explain my options and answer all my questions. It was an absolute pleasure and a load off my mind. I would recommend him to anyone needing help with their Medicare.
By Meg

Thank you for your conversation yesterday regarding options for my Medicare coverage. I had been wading through the sea of supplemental plans, drug plans and advantage plans, but had become overwhelmed by the choices. After talking with you I now have a much better understanding of how to make my choices for medical coverage. Your guidance toward the best and most practical solution was a great help. I enjoyed your candid and direct manner. Thanks again for your time!
Respectfully,
R. Fulbright