Health insurance is a complex subject. Too simplistic a statement? Just try to cull through all the information available. The jargon can be confusing, and the consequences of making the wrong decisions are staggering. Will this policy fit me and my family? Can I afford this? Are we covered in case of a catastrophic event? How flexible is this policy? The good news is that a qualified independent insurance agent has all the answers to all your questions and will understand and be able to advise you on issues you may not even be aware of.
A good place to start is the internet. Locate an independent insurance agent in your area. If you can, find recommendations among family and friends. Ask questions of people you trust; you will be surprised how quickly on agent rises to the top of the list.
Osborne Insurance Services, Inc, Blue Cross Blue Shield of North Carolina is just such a qualified, authorized agent. Their comprehensive website has a wealth of information about all the varied plans and will even help you with the terms used and rates.
Different BCBSBC plans include Blue Advantage. This plan is a PPO and provides access to the doctors, specialist, and hospitals you choose. There are options regarding benefits and deductibles as well as co-pays, and prescription drug costs. No referrals are required for specialist, and you are able to go “out of network”. Meaning a provider not contracted with the health insurance plan. This plan’s options has coverage for children, including well child and baby care and immunization, maternity coverage, and is flexible for changes within the family. It also affords no costs access to health management for chronic conditions like asthma and diabetes and member discounts for health related services and products.
Blue Options, is a high-deductible health plan with a tax-advantaged savings account for qualified medical expenses. With a savings as high a 34%, you can take control of your health care costs. Out of pocket maximums protect you from unexpected high-priced medical cost, and the HAS is portable. Also, any unused balances roll over at the end of the year. There are other incentives and benefits; ask your insurance agent for the details.
Contact Osborne Insurance Services, Inc to speak to an agent or for a consultation appointment. You can even enroll online. A qualified agent is waiting to help you.