Deciding which health insurance plan best suits you and your family’s needs can be an intimidating and sometimes confusing process. What’s your monthly premium cost? How high of a deductible do you want? When will your co-pays apply? Will certain prescription medications, tests, and procedures be covered? Do you want extra coverage for things like eye and foot care? The questions can go on and on. Do you really know your health insurance options?
Those who don’t have health insurance coverage through their employer often have an even tougher time navigating the private health insurance marketplace to find adequate coverage. In fact, many people still think they can’t get health insurance because of a health condition they have, but since the rules of the Affordable Care Act (ACA) went into effect in 2014, health insurance companies are no longer allowed to deny a person coverage or charge them more based on a pre-existing condition. Now, everyone in a household can get health insurance—and indeed they have to, according to the ACA, or they face the possibility of having to pay a fine come tax time. Those who cannot afford health insurance may qualify for income-based financial assistance or for public health plans like Medicaid.
West Virginia residents who are self-employed, unemployed, or unable to get sponsored insurance coverage through their employer can find coverage through the federal marketplace exchange (www.HealthCare.gov) or turn to independent insurance agencies like Smallwood and Small.
Our partnerships with Shenandoah Community Health and Highmark of West Virginia help us deliver the coverage you need at the best possible price. Not only can we help you find the plan best suited to your medical needs, age, and income level, we’ll also take the time to make sure you understand all the complex health care terminology as well as your policy’s coverage limits.
For our customers older than age 65, we also can secure coverage for costs not covered by Medicare Parts A and B—ask us about extended care services covered by long-term care insurance.
Finding the right health insurance doesn’t have to be a long, painful process. Learn more about our health insurance options on our Retirement Planning page, or call us today at 304-263-3361 to talk to an agent about what type of coverage will best suit you and your family’s needs.
Photo Credit: Sharon Sinclair. Licensed under CC BY 2.o.
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