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Things to Consider When Choosing the Most Affordable Health Insurance KY

May 20th, 2013     News

Choosing the right affordable health insurance KY plan is not an easy task. Here are a few things that you should consider before clicking any buy it now buttons.

  • Step 1: Deductible. Because your deductible determines, in part, the amount of your monthly premium it is very important to choose the right one. There are really two types of deductible, high and low. A high deductible equals a lower monthly premium while a low deductible means a higher premium but you will need to be careful here as the lowest premium is not always the right or least expensive choice. You will need to choose your deductible based on your family’s health care needs not on the lowest premiums you can find. For more information about deductibles please see our other articles. 
  • Step 2: Types. Most health insurance policies operate under a managed care type of coverage. There are 3 types of managed care health insurance, PPO, HMO, and POS. For more information on the different types of health insurance available please see our other articles. 
  • Step 3: Benefits and extras. Deciding what benefits and extras you and your family needs is another incredibly important part of choosing the right health plan. Those with a family or those who are planning a family may want to choose a health plan from a reliable company that offers riders for pregnancy and childbirth, while those who rarely need to see a doctor except in an emergency may be happier with a hospitalization or emergency care only plan. Also check out the extras that come with your policy. Some policies will let you add a dental insurance or additional prescription coverage for a small charge while others only offer these benefits as completely separate policies.

At Preferred Insurance Group we know that sometimes it is nice to have a friend in the business. That is why we are with you every step of the way helping you find the insurance products and options that best fit your lifestyle and budget to filling out those complicated application forms and we are still here even after you buy your policy. Insurance of any kind can be complicated with new laws and policies so we stand by our clients every step of the way.

We can even help you file claims and support you if you ever have a problem with your policy or carrier. Just give us a call toll free at 877-334-1597. Or if you are really a do-it-yourselfer at heart you can click on the link above and check out a few affordable health insurance KY quotes yourself; it’s fast, free and there is absolutely no obligation.