Health Insurance
Never before has the decision regarding health insurance been so complex and confusing for the average individual and family. Health insurance, medical insurance, and healthcare insurance are all terms used for the type of insurance that is meant to help people pay for the cost of medical care. Every policy, however, differs regarding copays, coinsurance, and deductibles, along with specific rules and regulations about how someone seeks medical care, from whom, and what type of certification they may or may not need before an appointment or medical treatment.
If you don’t have medical insurance, the consequences can be dire if something emergent should happen, which is why health insurance is a must in today’s world. Not having it can lead to draining your finances, or worse, being turned away from getting critical treatment when you need it. For those without healthcare, the only thing required by law by hospitals and physicians is to screen and stabilize your condition; from there, you are on your own.
At Abri Insurance, we understand the importance of medical coverage, that it needs to make sense for you and your family, and that it needs to be within budget, which is not always an easy thing to balance. We work hard to find healthcare coverage that makes sense for your individual situation and life circumstances.
What Are the Different Types of Health Insurance?
When it comes to health insurance, you have many options to choose from, whether it is public coverage or private insurance. Private medical coverage sometimes is funded through your employer or can be purchased by you, the individual.
Both private and public insurance policies are also guided by a specific managed care model which can include PPL, EPS, HMO, POS, or sometimes a hybrid of several of them.
All major health care coverage plans that take effect after January 2014 are regulated by the Affordable Care Act and need to be compliant. There are no longer federal penalties for those who opt to go without insurance in South Carolina, but that does not mean it is a good choice. If you need to buy health insurance, then you have to do so during the open enrollment period that runs from November 1 to December 15th, but many states continue through January or will let you buy it if you have had a qualifying recent life event.
At Abri Insurance, we know that sifting through the many options available for health insurance can be arduous and confusing, which is why we are here to help. Our mission is to find the most comprehensive coverage possible while taking into account the many factors that will affect your needs, what you can afford, and what your responsibilities to your family or others are. Contact us today so we can help walk you through the complexity of health insurance and decipher which package is best for your individual situation and lifestyle.
