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Why You and Your Family Need Health Insurance Coverage

Health insurance is the security blanket you need in your life.  At one point or another, you and your loved ones will get sick.  Having health insurance is more than just saving money on health care services, it’s also providing security for your family.

• Health insurance covers essential health benefits critical to maintaining your health and treating illness and accidents: Let’s say you get the common cold or even an infection.  When left untreated, it can become an even bigger health concern.  Now, your medical care bills will be through the roof because not only will you be paying for the service, you will be paying for prescriptions and other medicines to get your health back to normal.

• Health insurance protects you from unexpected, high medical costs: Did you know that the normal cost for an ambulance ride is $1,000?  Having a health insurance plan can cut these costs, god-for-bid you ever have to ride in an ambulance.

• You pay less for covered in-network health care, even before you meet your deductible:  Having a health insurance plan means getting to see your doctor on a routine basis and not paying an astronomical amount for health care.  When you visit an in-network provider, you are saving a bundle of money on health care.

• You get free preventive care, like vaccines, screenings, and some check-ups, even before you meet your deductible. One of the many perks of having a health insurance plan is getting access to preventative care, check-ups, and vaccines before you meet your deductible.

• If you have a Marketplace plan or other qualifying health coverage, you don’t have to pay the penalty that people without coverage must pay.: The ACA requires everyone to have a health insurance plan or you will have to pay a hefty penalty.

Cosmo offers quality health insurance plans in NJ.  Contact us before open enrollment starts to get a kick start on choosing your health insurance plan.

Cosmo Insurance Agency is an independent insurance agency serving surrounding communities in New Jersey. 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 the latest in technology-based tools and laws on healthcare, employee benefits, life insurance and finance, we keep our clients up-to-date with the plans that encompass all of their needs, whether it is individual or group insurance.