Taking the Mystery out of Individual Health Care Coverage
As more and more companies defray healthcare costs by passing them along to employees and more people join the ranks of the self-employed, retired and going-back-to-school, individual health insurance becomes of critical importance. Not only will it keep your family covered in between career moves, it can also be a less-expensive option than employer-provided insurance. But for many, individual healthcare plans seem confusing, full of options, hidden fees and legalese (or insurance-ese, if you will.) It doesn’t have to be that way. This month, I’m proud to introduce two brand-new customizable, cost-effective, easy-to-understand individual healthcare plans from Anthem Blue Cross Blue Shield.
SmartSense
Anthem’s new SmartSense Blue Access PPO (preferred provider organization) health plan is a smart choice for essential coverage. If you’re greatest concern is cost, SmartSense could be your answer. Designed to balance sensible health coverage with a variety of options available to save you money, SmartSense offers:
• Many plan pricing options, which your agent will help you assess to determine which is best for your family;
• A large network of doctors to choose from;
• A choice of annual deductible/monthly premiums;
• Affordable co-pays for your first three doctor visits each year (your deductible doesn’t apply to these);
• A choice of prescription drug coverage, tailored to your family budget and with no deductible for generic drugs;
• Coverage of your most essential healthcare at some of our lowest rates.
Premier
The Premier Blue Access PPO individual health plan was created for young families, and couples planning to start theirs in the near future. Premier is packed with benefits and focuses on preventive care (like well-baby check-ups and vaccinations) that will keep your family healthy and strong. With Premier, you can get:
• Coverage and pricing options that give you control through a range of annual deductible and monthly premium combinations;
• Plenty of benefits focusing on preventive care, making Premier ideal for families with young children;
• Easy copays for doctor visits;
• Annual vision exam
• Optional maternity rider
• Choice of prescription drug coverage with no deductible for generic drugs.
Of course, as with all Anthem health plans, you can also add affordable dental coverage and term life benefits. The team at Health Insurance Chaser is ready to help you determine which health plan best serves you and your family; visit us at www.healthinsurancechaser.com or call us toll-free at 877.775.4321.
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