Affordable, Low Cost Health Insurance

The search for affordable, low cost health insurance goes back a long way.  Even Adam and Eve, as the story goes, were looking for more and better coverage.  As medical costs go up it becomes more important than ever to make sure your coverage is all that you need it to be at a cost you can afford.

When it comes to shopping for a new policy or determining how good your current coverage is there are some pertinent questions you need to ask yourself.  Do you know what your exposure rate is?  Do you know what your deductible is?  What is the coinsurance amount for yourself and your family?  Do you have that money set aside for when you need it?  Are you getting the best bang for your buck? Are you utilizing the correct products that help keep your exposure rate to a minimum and maximize your tax deductions?

Many of us don’t know the answers to these questions until something catastrophic occurs.  That’s not the time you want to find out and start learning about your coverage.  Often families go online to shop for health insurance and compare a policy only by the deductible and monthly premium.  That’s a start, but it’s only a very small portion of what you need to know to make an informed purchasing decision.  Very few of us would go out and buy a house over the Internet without at least visiting the property and yet many of us will purchase a health insurance policy that could potentially put us at a great amount of personal risk.

I urge you to sit down with a professional, ask questions, understand your purchase and have the peace of mind knowing you can pick up the phone and talk with an actual person without dealing with the frustration of  an automated answering system or a foreign outsourced customer service center.  Utilize your membership through SmartFem and call for a free consultation to understand your current health insurance policy and make sure you have the coverage you need at an affordable price.

Laurie Hamel, representative of America’s Business Benefit Association.

Offering a free consultation for people looking for and affordable health insurance plan.