NC Health Insurance Plans: Don't just be driven by price

NC Health Insurance Plans

Don't just be driven by price

Don't let price be the only consideration when making your insurance choices.

You should also think about the product benefits. You want to make a choice that's right for you.

For instance, you can pay a high dollar premium for a health insurance plan (individual or group) that has a doctor copay but if you only go to the doctor for a check up you may fare better getting a plan without a doctor copay and/or an HSA high deductible health plan.

When thinking about Medicare products, you'll want to think about whether or not you want the freedom to go to any doctor or hospital that accepts Medicare or if you'd prefer using a network or PFFS network (in Caldwell County, NC) with a Medicare Advantage plan.

You may need something temporary for individual health coverage if you're changing jobs or moving to a new location or just out of school. In that case, Short Term Health may be your answer.

A professional insurance agent offering such products can advise you as to your best options.