How You Can Benefit from EnrollSource
Finding the right health insurance plan at the best possible price often involves a complicated process of comparing apples and oranges. But EnrollSource has simplified the task with an application that allows our members to search for a range of health insurance policies — individual (on and off the exchange), Medicare, and group.
To get an instant quote on available plans in your area, all you need to do is provide some basic information about the people included in the policy. You can trust the information you receive because EnrollSource has:
- More than 50 years of direct carrier experience, including partnerships with all major carriers and dozens of ancillary carriers.
- Personalized, friendly and knowledgeable assistance. AAFP members can speak directly with a certified specialist for the Federally-Facilitated Marketplace or America’s Health Insurance Plans to get help with enrollment questions and policy options.
We’ll help you make a match. And because you also need to ask the right questions when pricing and comparing policies, here is some information to help you prepare.
Understand Your Costs
As you use the tool to find the right insurance policy, it’s important to understand that while the price of a policy is a significant factor, the premium is not your only expense. Depending on the plan, you can expect to pay a deductible, copayment and coinsurance. When you understand the terminology associated with various costs and how they apply to your out-of-pocket costs, you can use them to your advantage to lower your overall health costs.
- The premium is the rate you pay for your health insurance, which you typically have the option to pay monthly, quarterly or annually. Your premium is dependent on your choice of options and benefits.
- Your deductible is the dollar amount you must pay for medical expenses before the health plan kicks in. Choosing a policy with a high deductible is one way to lower your premium but comes with additional risks should you run into costly health issues during the year.
- The copayment is the set dollar amount you are responsible for paying for drugs, office visits, emergency room care, and more. Your copayments are in addition to the premium and not applied toward the deductible. Again, opting for high copays can lower your premium.
- Coinsurance, by contrast, is the percentage of medical costs you are responsible for paying—after the deductible is met and after the insurance company has paid its part. Be sure to ask about your out-of-pocket limit, which is the maximum coinsurance you pay before the insurance company starts paying all covered expenses.
Specialists Are There to Help You
When you buy health insurance, you’ll want to determine the benefits included, access to healthcare providers and coverage for extras such as dental and prescription costs.
Using EnrollSource and the advice of their experts you can resolve the following questions and many more:
- Are your preferred health providers and care facilities in-network? Find out if physicians you want to use are in-network and also your coverage when you go out-of-network.
- Is there a prescription drug plan? If so, what are the copays? Are you restricted to generics?
- How is preventive care handled? Often annual checkups and preventive care are discounted or free.
- Does the plan provide coverage for dental, vision and specialty services such as therapy and chiropractic care? Once you know, you can decide if you need coverage for these services or would rather pay out of pocket if doing so will lower your premiums.
- What can we expect in copayments? To get a clearer picture of how much you may be paying out-of-pocket, ask for a breakdown of copays for office visits, trips to the emergency room, lab tests and x-rays, MRIs and any medical costs you anticipate.
With the EnrollSource health insurance enrollment tool, we offer you an easy way to secure the coverage you need at the best price.