Don’t buy health insurance without reading this!


Buying a health insurance policy is a big decision, and not one to be entered into lightly. Before you commit to a plan, make sure it meets all your healthcare needs.

Know your plan types

A knowledgeable health insurance broker can go through the different plan types with you, including PPO’s, POS’s, EPO’s, and HMO’s. They can review the potential costs and benefits of each, out-of-network coverage, and more.

Know your health insurance terms

Before you choose a health insurance plan, you need to know what the deductible, premiums, co-insurance, co-pays and out-of-pocket maximums are. But before that, you actually have to know what those terms MEAN. A health insurance broker can break them down for you.

Know your networks

Most health insurance plans have a network of providers that they operate within. It’s important to know if the doctors you see are in this network, or if you will have to choose different ones to minimize your out-of-pocket costs.

Know your ACA status

Is the plan you’re considering available on the health care exchange under the ACA (Affordable Care Act)? This is crucial information, since ACA plans have to meet certain standards that non-ACA plans don’t.

For more information, contact your health insurance broker today.

Be prepared to answer these health insurance broker questions

54598489 - close-up of businessperson with resume and pen in officeWhen you first meet with a health insurance broker, you’ll probably have a lot of questions. But don’t be surprised if THEY have some questions for YOU. In fact, they should – it’s part of what makes them a skilled professional. Take a look at just a few of the potential inquiries below, so you can be prepared with the answers.

Get ready to answer these questions from your broker:

  • Is this your first time buying or applying for health insurance coverage?
  • What coverage do you currently have, if any?
  • If you want to switch health insurance plans, what is the reason?
  • Are you applying for an individual, such as yourself, or will you need coverage for a spouse or dependents as well?
  • On average, how many times a year do you see a physician?
  • Which physicians do you see most often: general practitioners or specialists?
  • Are there any physicians you want to keep seeing?
  • Do you take prescription medications? Are the branded prescriptions important to you, or are you usually satisfied with generics?
  • How much can you afford to spend on health insurance each month?

To learn more about how health brokers work and how they can help you, get in touch with one today!