There are so many ongoing changes in healthcare that it’s important to consider several things when choosing a health insurance plan. A little preparation goes a long way when looking for insurance. Understanding what questions you will be asked and what you’ll need to have on hand will make the process far less overwhelming.
When you’re looking for health insurance, you’ll need to provide some basic information. The following checklist should help you get prepared:
- Social security numbers: Be sure to have these on hand for anyone in your house applying for coverage.
- Income information: To find plans available for your family, you will need to have tax statements, pay stubs, or W-2 forms on hand. Make sure you have this information for everyone in your house applying for coverage.
- Current health insurance policy numbers: You must provide the policy number if your family members already have health insurance coverage.
- Employee coverage form: This form is a government form that you will need to fill out if you have the option to get coverage through your employer or your spouse’s employer. You can find this online.
What you should consider when buying a health insurance plan:
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- Is there have a doctor you want to keep? Is this doctor in the plan’s network?
- Does the plan fit your budget?
- Do you take any prescribed medications? Are they covered by the plan’s Preferred Drug List?
- Do you qualify for a premium tax credit?
- What benefits are most important to you?
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.