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Issue February 2004                               "Keeping Businesses Moving Towards Success"

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Evaluating Your Health Insurance Needs

There are many companies that underwrite group health insurance.  Choosing between them is a complex decision. You need to evaluate the process and the choices in detail, but to do so really requires a conversation with an experienced agent who knows the market.

When evaluating your needs. here are some items you should keep in mind: 

  • Some health plans have networks of doctors, make certain that yours is in it.

  • Not all health plans will let you go outside the network, if this is important to you make sure that your plan has an "out-of-network" benefit. 

  • Check for coverage of routine medical care.  Not all plans cover "routine checkups" or cover them only in small amounts. 

  • Check the drug benefits. Forty percent of the cost of medical care is for drugs. Some health plans use a formulary system to determine which drugs they will pay for. Make certain that this formulary is extensive and that your doctor is willing to prescribe off of the formulary if necessary.

Click Here For A Directory Of Agents of Business Health Insurance that can help you with all your insurance needs.

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*Article by Patricia Kopp.  Visit www.creativeBUSINESSworks.com for more original content on marketing tips, sales strategies and business success.
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