What’s Your Plan When You Need Medical Support?

The most important thing to know about medical support is that it's not something you want to be without. But if you do find yourself in a situation where your medical coverage is lacking, what are your options?

The best way to avoid this situation is by having a plan for when things go wrong. Consider the following:

When and how will I need my medical coverage?

Medical coverage comes into play when unforeseen events arise and your medical needs can't be met by your out-of-pocket expenses. If you have a serious illness or injury, for example, a major operation could cost thousands of dollars, which is way beyond what most people carry around in their bank account.

When things like this happen to you unexpectedly, medical coverage kicks in so that either the hospital will take care of you or your health insurance company will help pay for it as much as possible.

What kind of coverage am I looking for?

There are different levels of coverage available for your healthcare needs, and they can come in a variety of packages from maternity to dental but you need to know what the plan covers and what it doesn’t.

Some plans will cover an eye exam and contact lens fitting before one year old or three years old, others may not. You want to be sure that the plan you purchase is “grandfathered” under the Affordable Care Act (ACA) so you don’t experience any gaps in coverage.

How much can I afford per month or year?

The amount varies depending on the level of coverage you need. You can get quotes for different levels.

The cost of medical insurance depends on the type of plan you choose, your age, where you live and your personal health needs.

But there are some things you can do to make it more affordable whether it's an individual market policy or through an employer benefits program:

• Shop around for policies that offer better value or features

• Compare premiums with out-of-pocket costs, prescriptions drugs copayments and deductibles

• Pay in advance if possible

• Ask for help from a licensed agent with specific knowledge about your state's regulations when looking for health insurance
  

Do I have any pre-existing conditions that may affect the amount of coverage available to me?

When applying for individual health care coverage, you may be asked to answer several questions which address your medical history. If you have a pre-existing condition, the company will take this into consideration when deciding on a health plan.

It is important that you disclose all information about any medical conditions that have been discussed with a doctor within the last six months of filling out the application for coverage. The amount of coverage will affect respect to your disclosed pre-existing conditions.

If you do not disclose your medical history, the insurance company can deny coverage and no longer pay any expenses for this condition later on.

After answering all of the questions honestly and completely, it is important to make sure that you understand what type of individual health care plan is right for you. Everyone has different needs; some people require a more comprehensive plan that covers a wide variety of treatments, while others just want the basics to maintain their health.

Can my employer provide me with insurance as part of my benefits package? If so, does their policy meet all of my needs?

• It's possible for an employer to provide insurance as part of your benefits package, but it doesn't necessarily mean the policy will totally meet all of your needs.

• Employers should provide insurance as part of your benefits package, but it doesn't necessarily mean the policy will totally meet all of your needs.

• Employers should consider what you need in terms of coverage and cost for this type of plan. When employers do not offer insurance as part of their benefits package, many employees are left with few options other than paying for an individual health care plan on their own. They can pay monthly premiums or yearly premiums to insure themselves against the possibility that they might fall ill or be injured at some point during the year.
  

The Bottom-Line:

The most important thing to know about medical support is that it's not something you want to be without. But if you do find yourself in a situation where your medical coverage is lacking, what are your options? One option may be to buy an individual health insurance plan on the marketplace or through an agent.

Another option could include applying for Medicaid or Medicare - both of which provide government-funded healthcare plans at low cost. Contact us today and we'll help you figure out how best to get covered!

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