http://HealthcareSolutionsTeamSarasota.com How Do I Buy An Affordable Individual Health Insurance In Pennsylvania? Let's first share with you what is individual health insurance? Health insurance covers medical expenses for illnesses, injuries and conditions. But, unlike a plan through an employer, individual health insurance is something you select and pay for on your own. So, what’s health insurance for and why do you need it? * Because accidents or health problems can happen at any time * Medical expenses can be high—they’re the number one cause of bankruptcy * To gain access to a network of doctors and hospitals that have negotiated lower rates with insurance companies * To pay and keep track of medical payments quickly and easily * To safeguard your way of life and your family’s physical and financial wellbeing The Healthcare Solutions Team Sarasota can help you sort through the best way for your personal coverage.

1. How Do I
Buy An
Affordable
Health
Insurance In
Pennsylvania

2. www.HealthcareSolutionsTeamSarasota.com

3. How Do I Buy An Affordable Individual
Health Insurance In Pennsylvania? Let's
first share with you what is individual
health insurance.

4. Health insurance covers medical
expenses for illnesses, injuries and
conditions. But, unlike a plan through an
employer, individual health insurance is
something you select and pay for on
your own. So, what’s health insurance
for and why do you need it?

5. * Because accidents or health problems
can happen at any time
* Medical expenses can be high—they’re
the number one cause of bankruptcy
* To gain access to a network of doctors
and hospitals that have negotiated lower
rates with insurance companies

6. * To pay and keep track of medical
payments quickly and easily
* To safeguard your way of life and your
family’s physical and financial wellbeing

7. www.HealthcareSolutionsTeamsarasota.com

8. The Healthcare Solutions Team Sarasota
can help you sort through the best way
for your personal coverage.

9. Understanding Health Insurance Terms
We know health insurance has its own
language with different terms, like
“deductibles,” “coinsurance” and
“copayments.” Once you get a good
grasp on some of these basic terms,
you’ll see how simple health insurance
can be. Let’s start by defining these
terms:

10. Deductible:
This is a set amount you have to pay
toward your medical bills every year
before your insurance company starts
paying. It varies by plan and some plans
have no deductible.

11. Premium:
This is the amount you pay your health
insurance company to keep your
coverage active. Most people pay their
premium monthly.

12. Coinsurance:
This is the percentage of your medical
bill you share with your insurance
company after you’ve paid your
deductible. Unless you have a policy
with 100 percent coverage for
everything, you have to pay a
coinsurance amount.

13. For example, if you have a $100 doctor’s
bill and your plan covers 80 percent of it,
your coinsurance amount due to the
doctor’s office is 20 percent, or $20.

14. Copayment (or “Copay”):
Your copayment, or copay, is the flat fee
you pay every time you go to the doctor
or fill a prescription. It’s usually a
relatively small dollar amount. Copays
do not count toward your deductible.

15. There are other insurance terms that
may be confusing to you, but starting
with these four is a good foundation.
How Do I Buy An Affordable Health
Insurance In Pennsylvania?

16. 1) First things 1st, Protect yourself
Never, Never, Never let your health
insurance lapse. If your new insurance
doesn't come through or your health
conditions have changed you may not
be eligible for similar coverage at a
similar price.

17. 2) Know what your buying
Remember if it sounds too good to be
true, it probably is. When comparing
health plans, check the "Exclusions"
first. One of the first things an
experienced agent looks at in a health
insurance plan is the list of plan
exclusions, or what is not covered.

18. Often found in small print, what is not
covered is equally if not more important
than what is.
The Healthcare Solutions Team Sarasota
can help you sort through the best way
for your personal coverage.
www.HealthcareSolutionsTeamSarasota.com

19. 3) Important notes of interest
Smoking will dramatically raise the
policy prices of your health and life
insurance plans. Locking into a health
insurance policy when your young will
help you ensure long term affordable
coverage since getting health insurance
when your older, or have established
medical issues is more difficult & costly.

20. Having some individual health insurance
is far better than having nothing at all.
With no rehabilitation benefits you could
lose your job, in turn losing everything
you've worked for.

21. 4) What are your needs?
Are you planning on starting a family,
and therefore in need of both maternity
and child coverage, including
immunizations? A problem newborn can
easily accumulate $200,000 in advanced
medical care.

22. Therefore a plan with maternity benefits
can shoot up costs. Overall, buy the best
policy you can afford to keep.
Would you like your office and/or
hospital visits included in your
coverage? Do you need coverage for
prescriptions? Be sure to consider your
current and future needs when shopping
for insurance.

23. Do not inquire about health insurance
until you have fully evaluated your
present and past medical conditions. An
Individual Health Insurance Company
may elect not to cover your conditions,
or they may pump up the normal
premium rates.

24. Affordable health insurance in any state
is usually obtained through an employer
who offers a health benefits package -
Pennsylvania is no exception. However,
not all employers offer health benefits
packages to their employees, and they
aren't legally required to.

25. Also, some people work one or two part
time jobs and aren't eligible for either
employer's health benefits packages
because they don't work enough hours.
In other words, they aren't full time
employees, so the employers don't feel
they are important enough assets to
insure.

26. Other than purchasing an individual
health insurance policy in Pennsylvania,
which is usually always more expensive
than buying into a group health
insurance policy such as those offered
by employers.

27. Or seeking state assistance for health
insurance, there are two other options
for obtaining affordable health
insurance, or at least medical cost
coverage, in Pennsylvania.

28. One option for obtaining affordable
health insurance in Pennsylvania is to
purchase major medical policy with a
high deductible. Of course, these kinds
of health insurance policies usually don't
cover regular doctor's visits, but they
will cover major medical expenses such
as emergency room visits,
hospitalization, and surgeries.

29. Plus, because of the higher deductible,
they are more affordable that a regular
health insurance policy.
Another option for obtaining affordable
health coverage in Ohio is to set up a
Health Savings Account, also referred to
as HSAs.

30. HSAs aren't health insurance policies
per se, but they do allow you to save
money along the way should you need to
visit a doctor, be medically treated, or
pay for any other health service.

31. Obtaining affordable health insurance in
Pennsylvania - or any other state, for
that matter - is no easy feat if you aren't
offered a health benefits package
through an employer; however, don't
give up.

32. Aside from purchasing an individual
package or seeking state assistance,
you can purchase a major medical policy
or start an HSA to cover some of your
health costs.
The Healthcare Solutions Team Sarasota
can help you sort through the best way
for your personal coverage.

33. To get free quotes and learn more about
insurance please visit the following
recommended site.
www.HealthcareSolutionsTeamSarasota.com

35. Do You Need Coverage? Here Are The
Carriers We Represent

36. Chip Dobson
National Marketing Director/Partner
Healthcare Solutions Team, Inc.
5969 Cattlemen Lane
Sarasota, Florida 34232
Office: (941) 702-9093
Fax: (941) 702-9089
Email: cdobson@myhst.com

37. GO TO THIS WEBSITE FOR ADDITIONAL
INFORMATION OR FREE QUOTE
www.HealthcareSolutionsTeamSarasota.com

38. “Have a Beachey
Kind of Day!”