HEALTH INSURANCE 101
PREMIUM
The amount you pay for your health insurance every month. Think of it like a subscription to your healthcare coverage.
DEDUCTIBLE
The amount you pay for covered health care services before your insurance plan starts to pay. After you pay your deductible, you usually pay only a copayment or coinsurance.
COPAYMENT
A fixed amount ($20, for example) you pay for a covered health care service after you've paid your deductible.
OUT-OF-POCKET MAX
The most you have to pay for covered services in a plan year. After you spend this amount on deductibles, copayments, and coinsurance for in-network care, your health plan pays 100% of the costs of covered benefits.
GUIDED ENROLLMENT FLOW
We walk you through each step of the process to ensure you find a private PPO plan that aligns with your specific needs, focusing on clear education rather than sales pressure.
STEP 01
INITIAL DISCOVERY
Start with a consultation to explore your healthcare needs. We discuss your preferences and current situation to frame a strategy for private PPO coverage.
STEP 02
REVIEW & COMPARE
We present plain-language comparisons of available options. As an independent broker, I help you evaluate plans without bias toward any provider.
STEP 03
FINAL ENROLLMENT
Once you've made an informed choice, we manage the technical application process for you, ensuring all paperwork is accurate and complete.
HOW TO COMPARE HEALTH PLANS
Choosing the right coverage doesn’t have to be overwhelming. When comparing your options, focus on these key factors to ensure the plan fits your lifestyle and medical needs without the technical jargon.
- Network Flexibility: Check if your preferred doctors and specialists are included in the PPO network.
- Total Cost of Care: Look beyond just the monthly premium; consider deductibles and out-of-pocket maximums.
- Pharmacy Benefits: Ensure your regular prescriptions are covered under the plan’s formulary.
