Health Insurance

What’s the Deal with Co-pays?

Most traditional self employed health insurance plans have co-pays. What are co-pays? When I pay a co-pay, who does it go to? Are all co-pays the same? What is the reason for having co-pays? These are all questions we get asked over and over again. Co-pays play a vital role in self employed health insurance plans. Depending on your budget it is important to choose a policy that has a level of co-pay you think is reasonable and can afford. Let’s break down a few of the above questions.

How Will it Benefit me?

Self employed health insurance will do a number of things to benefit both you and your family. A trusted broker and a well thought out policy will protect your current and possibly future income, it can significantly increase your level of health and possibly make it easier to be more productive, finally it will offer you peace of mind. Let’s talk about these in a little more detail.

How do I Buy it?

For those of us who have taken the plunge into the sometimes treacherous waters of becoming our own bosses, we have a lot of balls to juggle. Rent, sales, payroll, solving problems, and all the other things that come up. Searching for a self employed health insurance policy to protect you and your family shouldn’t have to be difficult. There are several ways to find a carrier, choose the right plan, and ultimately purchase a policy. I will outline three of the most popular options and detail what may help you the most.

It Doesn’t Have to Cost an Arm and a Leg!

It is true that self employed health insurance costs are sky-rocketing. Plans seem to get more and more expensive the more and more the government meddles. People, probably some of your friends, are dropping their coverage and paying for medical costs out of pocket or worse, not taking care of health issues as they arise. This may be OK while people don’t have any medical needs but if they have an accident, serious illness, or even need a surgery how will they afford it? Savings, future earnings, bankruptcy? None of these are good options and you can affordably put a self employed health insurance plan in place to protect your income, savings, and your family.

Why Brokers Help your Bottom Line.

Brokers help business owners find the right self employed health insurance plans that align with their needs and their budgets. Helping entrepreneurs not get bogged down in the plethora of plans, deductibles, options, and other minutiae. A good broker will help save you time, premium dollars, and help you find the best plan year after year.

Six Tips You Should Know.

The best self employed health insurance policy is one you or your family never need to use. However, it is important to put a plan in place in case someone does get ill or hurt so you don’t get wiped out financially and lose all or a major portion of what you have worked so hard for. Here are a few tips to help.

Lessons Learned the Hard Way.

Read the news, watch the morning talk shows, listen to loud mouthed politicians blather on and it might seem that everyone has a horrible time with their health insurance. This goes doubly for entrepreneurs who have self employed health insurance plans. If you dig a little deeper or even talk to a broker what you will find are a few examples of lessons learned the hard way. It doesn’t have to be like this for everyone. With a little research, a little time, and a broker who specializes in self employed health insurance plans you won’t have to go through the same pain as the folks you see in the headlines.