Step 1.  Check with your employer.

This is the logical first step.  Whether your employer provides a health insurance package for their employees doesn't matter.  Employers almost always have extensive knowledge concerning health insurance issues - even if they don't offer it.  Bring up the subject with your supervisor.  Ask what he/she knows about it.  You will likely be surprised.

If your employer offers health insurance benefits and you qualify, your health insurance search just might be over.  Find out as much as you can about their employee package, as soon as possible.  There may be a time delay before you can qualify for benefits.  If so, you may need to pick up a Short-Term insurance plan to cover the time that you are ineligible for coverage.  Whatever you do, don't go without coverage.  It's not worth the risk


Step 2.  Visit Healthcare.gov.

Visit: Healthcare.gov to discover what health insurance plans are available in the Greenville, SC region.  You will find all sorts of valuable information that can help you to make a smart health insurance choice.  Take a moment to review the meaning of health insurance terms like: Deductible, Coinsurance, and Maximum-out-of-pocket.  Having a good grasp of the meaning of such terms will simplify your decision making process.


Step 3.  Contact a health insurance specialist.

When it comes to deciding on the right health-care plan for you and your family, an insurance broker's knowledge can be invaluable.  An insurance broker can help you with every aspect of a health insurance plan purchase.  When deciding on the size of your health plan deductible, an insurance broker can explore the benefits and drawbacks with you.  They can concisely explain health plan co-insurances.  They can help you figure out if you're eligible for an Affordable Care Act subsidy.  Speaking with a health insurance representative is a natural first step you should take before obtaining a health plan.  Best of all, assistance from a health insurance broker is usually free.

Choosing a health insurance plan is not something to take "lightly".

When looking for an affordable, high-quality health insurance plan, there are numerous factors to consider.  Unless you are a practicing insurance broker who works with health insurance on a daily basis, there are a lot of critical issues that you are likely to miss.  Many Americans are dissatisfied with their health-care coverage.  The cause for this is often not the health plan.  Instead, it is the consumer who buys a plan without fully comprehending its benefits.  Unfortunately, most people don't realize how their health insurance plan works until they have a medical problem.  This is not the time to first learn the definitions of phrases like "deductible" or "coinsurance. " You want to be sure you choose the correct health insurance plan before you need it.



Why finding a quality, affordable health insurance can be difficult.

There are several reasons why the process of finding an affordable health insurance plan can be difficult.  To begin with, U.S. health insurance is changing.  The Affordable Care Act program is expanding.  More Americans are now eligible for subsidies.  In addition, many Americans that previously were covered by Medicaid, are now eligible for coverage via the Affordable Care Act.  All of these changes have led to a flood of new online information.  Unfortunately, a great deal of the information out there is incorrect.  It is difficult for the average consumer to know what is what.

In addition, most consumers do not have a knowledgeable health insurance broker who can help them sort through all the new health plan information that is out there.  In South Carolina, finding an agent that will take the time to help can be quite a challenge.  Without this expert help, uncertainty and confusion is bound to be the result. 


ACA is more affordable.

In South Carolina, Affordable Care Act (ACA) health insurance plan options are more affordable than they were in previous years.  This is because the subsidies provided by the federal government are larger.  In addition, more Americans now qualify for a subsidy.



We can help.

We understand how difficult it can be to choose the best plan for you and your family's needs.  Plan benefits, physician networks, deductibles, Rx coverage, and other components of a health insurance plan, should all be carefully considered.

Our licensed insurance professionals are happy to assist in sorting through all of the details in order to acquire a quality, affordable health insurance plan that meets the needs of you and your family.  Our services are free.  call now.    (866) 314-7417