Safeguard your family from the ever increasing cost of health care.
Many Americans receive health insurance through a group insurance plan from their employers. However, a large and increasing number of people are self-employed, part time or unemployed and need to find health insurance coverage on their own. If you find yourself in this employment classification, Stewart, Brimner, Peters, Lear can help you navigate the ever more complex world of health insurance. As an independent insurance agent, your SBPL agent will work on your behalf with many different insurance companies and not be obligated to just one. So, after a comprehensive review of your needs, your agent will engage a number of the industry’s top rated insurance companies and find the right health insurance coverage for your family at a fair price.
Health care costs are escalating at an ever increasing rate and one serious illness or injury could mean catastrophic financial loss. Health insurance provides for routine medical care, as well as covering care such as surgeries or other procedures that could run in the tens of thousands of dollars. A large percentage of bankruptcies in the U.S. are now attributed to inadequate or no health insurance coverage, so it makes good sense to ensure that you are properly covered.
There are several different types of individual health insurance. You can get fee-for-services, HMO or PPO plans, but it is important to understand the benefits and limitations of each of the plans before making a decision on which is best for you. Policies differ in coverage and cost and your SBPL insurance professional can help explain all the options open to you. Cost is seldom the only consideration when choosing which health insurance to buy. Nobody knows exactly what they will spend on health care in a year since you can’t forecast who in the family is going to be sick, how often and how seriously, so be sure to review your family situation and health care needs frequently with your SBPL representative.