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Greenfield Insurance, LLC offers Medical Insurance for Individuals

A few questions to consider about Individual Medical:

  • Are you interested in a higher or lower annual deductible?
  • Do you have a carrier you would prefer to select?
  • Are you familiar with HSA plans?
  • Do you have a doctor that you regularly visit? Name? Specialty?
  • Are you taking any medications?
  • Do you have any ongoing medical treatment?
  • Personal health history?
  • Would you like to apply online or would you like to schedule an appointment?
  • Click on “Get a quote” or “Contact us” when you are ready to proceed

How do I choose an affordable health plan?

Traditional Health Insurance vs. HSA High Deductible Health Plans

Traditional health insurance are affordable family and individual health plans which include a co-pay for wellness visits and diagnostic doctor visits. These plans also include a coinsurance after your deductible has been met. These deductibles usually range from $1,000-$6,000 per person and coinsurance is 80% after the deductible is satisfied, additionally this may not apply to doctor’s visits.

A high deductible plan has a high deductible that you must meet before the insurance will start paying for your office visits, lab tests and prescriptions. In order to qualify as a high deductible plan, the deductible must be at least $1,500. Often, once you have reached the deductible, the insurance will kick in with 100% coverage and you will no longer need to pay additional costs.

It may be a difficult decision to choose which type of plan to purchase. The high deductible plans have a lower premium. If you are healthy, and are looking for a way to cut costs this may be a great option to consider. Additionally, if you have $1,500 - $5000 available to cover sudden medical expenses, it is a good plan, because you may end up paying less even with traditional insurance.

It is important to remember that as you consider the types of insurance you take into account, the likelihood that you will be using the maximum amount is rare. This is a good way to determine the best plan for your needs. If you decide to go with a high deductible plan you should take advantage of the health savings account (HSA), which gives tax benefits to the money you save to pay for your medical expenses.

Click here to learn more about HSA's (Health Savings Account)