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How to find the best health insurance for your budget in Roswell, GA
January 13, 2022 at 7:00 AM
How to find the best health insurance for your budget in Roswell, GA

Buying health insurance in Roswell, GA can be difficult. Trying to find the coverage that you need in a plan that fits your budget can feel nearly impossible. At Stellar Insurance, this is what we do. Our team of experts is here to assist you with finding a health insurance policy that provides you with the benefits you need while being sensitive to your budget. To help you get started, we have a few things that you can do to find a plan within your price range.

Compare plans online

The internet has made it easier than ever to compare prices when you’re shopping. You’ve probably done it when shopping for the latest electronics or furniture in your home, so it makes sense that you would do the same with your insurance plan. Browse plans from various companies online and compare them side by side. Comparing plans will help you see standard coverage options versus benefits that one company includes over others, as well as monthly premiums, copays, deductibles, and more.

Select a network type

The world of health insurance can seem convoluted and confusing to those who don’t work with it every day. One of the things you’ll find as you shop is various network types. Each network provides different benefits compared to others. Health insurance networks include:

  • HMO: Health Maintenance Organization
  • PPO: Preferred Provider Organization
  • POS: Point of Service Plans
  • EPO: Exclusive Provider Organization Plans

Each has its pros and cons based on your insurance needs, but, ultimately, they all come down to finding a medical provider who’s contracted with the insurance company.

Higher copays

It’s not often viewed this way, but your health insurance works much like your car insurance. Many people aren’t willing to file an insurance claim to fix a minor dent in the door because it will increase their premiums. Your health insurance is the same. The more you use your plan this year, the more likely your premium will go up next year. You can mitigate some of the costs associated with your insurance premium by paying more out of pocket with every doctor visit with a plan that has higher copays.

High-deductible plans

Similar to choosing a plan with higher copays, you can save with high-deductible plans. Some individuals have to make regular visits to their doctor or pharmacy to manage chronic medical conditions. Others are fortunate that they don’t usually have to visit their doctor for more than an annual physical. The latter can often benefit from choosing a high-deductible plan that provides a relatively lower monthly premium than those who can benefit from a low deductible. Weigh your options when choosing the deductible for your health insurance because you can save several hundred dollars a month with a high-deductible plan.

Work with a broker

One of the problems you’ll find when shopping for an insurance plan is that you don’t understand much of the language associated with the coverage options. You can get help sorting through the weeds and identifying what you need and what you don’t by working with an insurance broker. One hesitation many people might have when hiring a broker is that it will cost more, but you don’t have to worry as the costs will be built into your premiums like commissions with the health insurance company. It’s worth hiring an expert to help you find the best plan for your needs.

Reach out for more

If you’d like assistance shopping for health insurance in Roswell, GA, get in touch with us at Stellar Insurance. We’re experts in the current health insurance landscape and can provide you with the information you need to make an informed purchase. Contact us by calling 833-224-5168 or sending a message via our online contact form.