We understand that one size does not fit all. That's why you get access to a full portfolio of health insurance plans tailored to your specific needs.
We provide extensive evaluations to ensure your health insurance benefits fit your situation, budget, and convenience.
Health Insurance Advisors strives to develop and maintain long-term relationships with our members, constantly delivering on our promise of dependability.
For more than a decade, Health Insurance Advisors, a trusted Iredell County, NC health insurance advisor has been helping business owners, families, and individuals in the area find affordable health insurance plans. Whether you’re looking for a group, an individual, or a family health insurance plan, you can count on our team of highly knowledgeable and skilled experts to help you design an effective insurance program that will be customized to meet your unique needs.
Our competitively-priced plans offer optimum protection; what’s more, we make enrollment quick and easy. When you choose Health Insurance Advisors as your Iredell County, NC health insurance advisor, you can feel confident knowing that you’ll find comprehensive, yet affordable health insurance for yourself, your family, or your employees.
3 Things to Consider When You’re Looking for Affordable Health Insurance in Iredell County, NC
Having the right health insurance plan is extremely important. With the high price of healthcare in the area, even minor ailments and injuries, such as a sore throat or sprained ankle, can cost a fortune and cause serious financial strain.
As such, you want to make sure that you find an affordable health insurance plan that offers comprehensive coverage. Of course, finding a plan that ticks off both of these boxes is a lot easier said than done, but it is possible; you just have to know what factors to consider.
When you’re researching Iredell County, NC health insurance plans, take the following factors into consideration and you should be able to find a policy that will offer reliable coverage at a price that you can afford.
Premium, Deductible, and Your Health
The premium and deductible have a direct impact on the cost of your health insurance. The premium is the price you pay each month to maintain your plan. A deductible is an up-front contribution that you’ll need to pay before the insurer will payout.
If affordable health insurance is your goal, a low premium can be very attractive; however, do bear in mind that some Iredell County, NC health insurance companies can charge low premiums, but the deductibles are high, which can really hit you in the pocket when you do need to file a claim. On the other hand, higher premiums translate to lower deductibles, so while you’ll pay more each month, you’ll pay less when you need to file a claim.
When you’re weighing your options, consider both the premium and deductible, as well as the state of your health. If you want affordable health insurance and you’re in generally good health, a low premium and high deductible may work for you; however, if your health is poor or you’re exposed to hazardous conditions on a regular basis, a higher premium and lower deductible may be a better choice.
Are you currently taking prescription medications on a regular basis for a chronic condition? If so, when you’re looking for affordable health insurance, check to make sure the drugs you are taking are featured on the formulary (a list that features the drugs the insurance company covers) of the plan you are considering. If the medications you are taking aren’t covered by a Iredell County, NC health insurance plan, cross it off your list, otherwise, you’ll likely end up having to pay exorbitant out-of-pocket expenses.
Health Savings Account
It’s also a good idea to consider whether or not contributing to a health savings account (HSA) is something that you are interested in. Basically, an HSA is like personal savings account that you can use to cover the cost of your medical expenses. If you have disposable income, this is a great option if you want to build an emergency fund for your healthcare costs. Individuals and families can make thousands in tax-deductible contributions to their accounts.
Do note that you will need to qualify for a health savings account. To qualify, your Iredell County, NC health insurance plan will need to support it, and you cannot be claimed as a dependent on somebody else’s tax return. If you want to protect yourself from unexpected – and costly – healthcare expenses, an HSA is an option worth considering.
Contact a Trusted Iredell County, NC Health Insurance Advisor
For help finding an affordable health insurance plan in the area that offers comprehensive coverage, contact Health Insurance Advisors. To speak to one of our advisors, call 704-230-1038 today!