When it comes time to purchase health insurance from Los Angeles insurance companies to cover yourself or your family, there are many things to take into consideration. You want to find the best deal that will cover the basics and extras that you need while allowing you to see the doctor of your choosing. Here’s what you should know before making that decision.
Just because your employer offers discounted or free health insurance, doesn’t mean it’s the best policy for you. While group insurance is great if you have pre-existing conditions, those in good health can probably find a better plan through an insurance agency. Group plans charge premiums based on the average health of everyone included while individual plans could offer you cheaper rates based on your own above-average health.
Also, low premium plans might not be the best buy for you. They often have higher co-pays, deductibles and coinsurance rates to pay. Added together, they may cost you more than a mid-rate plan. Then again, don’t dismiss high-deductible plans right away. If you normally maintain great health, you may get cheaper rates for the year and not have to use the deductible.
Choosing health insurance from Los Angeles insurance companies can be a confusing process. Just know your body and your wallet and you should be able to make the choice that benefits you best.