In order to determine which health insurance plan is right for your needs, there is something you need to understand. Insurance is a business and, as in all businesses, insurance carriers have a responsibility to their stockholders to make a profit. In order to acquire you as a customer they need to make their offerings appealing to a variety of needs, both medical and financial. To this each company offer premium services at higher costs and plans with fewer options and less coverage at a lower cost.

Our job as Health insurance agents, is to determine exactly what your coverage needs are and to find a plan, within your budget which best meets those needs, to explore all options and find compromises which will not leave you exposed.

These are things that we will determine together and the following are questions, the answers to which will aid us in determining whether a plan is a fit for your needs.

• Will the plan cover you for the specific doctor and hospital of your choosing?
• Will the policy cover the health-care providers you are currently using?
• Will the health plan cover all the health services that you need?
• Will you still be covered if you travel?
• How much is the monthly premium and is it realistically within your budget?
• Are the deductibles and coinsurance costs suitable to your needs?
• How much additional cost is there for seeing a provider who is not within the network?
• Are the co-payment fees right for you, or do you need them lower?
• What is the maximum limit each plan will pay over a year or during a lifetime?
• Are the benefits of the plan consistant with your needs?
• Do you require individual, or family coverage and is the plan you are considering cost effective for either , or both?
• Does the plan cover pre-existing conditions? If so, is there a waiting period during which those conditions will not be covered? (The average waiting period is three months to one year.)
• Does the insurance company have a good reputation in the industry?
• Does the carrier hold a positive rating from a major ratings organization?

A wrong choice when purchasing health insurance can leave you financial exposed and medically vulnerable. In Charleston, you have a resource help avoid confusion and enable you to find the right choice. At the Forbes Insurance Agency, our job is to find a plan that fits both your budget and your medical requirements Call : 843-297-8162, or visit our main Health Insurance Site at http://dforbesinsuranceagency.com.

Did you know that it will not cost you one cent  more to have an insurance agent assisting you in the purchase of an insurance plan?