Buying a health insurance plan is a big investment, so make sure you ask your broker the right questions before signing up for a plan.
How much will it cost?
Let’s go straight to the biggest question! How much your health insurance will cost you depends on your premium, deductible, and out-of-pocket max. When you’re shopping for a plan, it’s important to know what these three costs will be upfront because they vary across health plans and will impact what you owe.
Remember, there is free preventive care included with every health insurance plan! Annual physicals with a primary care doctor, OB-GYN or pediatrician, flu shots, and many types of disease screenings are available at no cost.
Which plan is right for me?
You’ll need to pick your metal tier, which will determine how much you’ll pay per month and how high your deductible will be. Which one is right for you depends on the amount of care you anticipate you’ll need in the next year. When it comes to choosing a tier, everybody’s different.
Is my doctor covered?
Another important thing when picking a plan is if your doctor, therapist, clinic, hospital, etc. will be covered. If you want to stick with your current doctor, be sure to check that they are in your health insurance company’s network of providers. If you rely on prescriptions or medical equipment, check the formulary to make sure they are also covered.
What are the perks?
Finally, the good stuff! Be sure to ask if any sweet perks come with your plan; things like telemedicine (calling a doctor), rewards, and free classes may be included.
Having Cosmo Insurance Agency as your broker means you don’t have to deal with any claim issues. If you have claims that you need to dispute or are billed incorrectly by the insurance company, we will take care of it for you, so you don’t have to.
Cosmo Insurance Agency is a full-service independent insurance agency based in Hackensack (Bergen County) and Lakewood (Ocean County), New Jersey that offers an all-encompassing range of insurance options for both individuals and businesses. Cosmo keeps its promise to assure an efficient and creative approach to the services we offer. Each of our clients experience a personalized and long-term relationship with us. Our New Jersey based team of health brokers guides our clients in helping them choose the most cost-effective options. By incorporating our knowledge of the insurance guidelines for healthcare, employee benefits, life insurance, self-insurance, dental, disability, and long term care insurance, we keep our clients up-to-date with affordable plans that cover all their specific insurance needs.