Idaho Falls Health Insurance FAQs

1.  Protection for the big stuff
Insurance is meant to keep you from losing your home, business, and other assets due to a major medical event.  The high deductible decreases the premiums while allowing you to capitalize on a Health Savings Account as you take responsibility for your more routine care.  A good plan will cover the vast majority of medically necessary treatments for a significant medical event. 

2.  Big discounts through repricing
If a service is covered, then upon processing the claim the insurance company will reprice the bill to comply with its PPO contracts.  This means that, even if your bill does not reach your deductible, the insurance company’s contracted rates for covered services typically reduce your required payment substantially, sometimes by more than 60%.

3.  Economical packages
There are other, more economical ways to cover the high deductible than by choosing a lower deductible.  We tailor supplemental options that can more than cover the deductible for a significant medical event.

Does all this sound complicated?  A good high deductible plan can actually be the simplest kind of individual insurance.  Let us take the mystery out of it – call us today!

You certainly are welcome to do so, which is why the links are provided.  However, there is a reason we have licenses to offer these products.  The time to discover that the plan you selected at 3 a.m. does not cover your situation is not after you need it!  Do you know:

• Not all plans cover you on the job?
• Some plans are limited, so there are services or conditions that are not covered at all?
• Many plans have limits on what they will pay or how many times in a year they will pay? 
• There are three basic kinds of health insurance? 
• The majority of individual health insurance policies have a lot in common with auto insurance?
• There are insurances that must be coordinated, while there are insurances that will pay regardless of other insurance?

Let’s talk.  Better yet, let’s get together if we can.  If you are married, our meetings must involve both of you – we’ve found this to be much better on the marriage!