The best time to buy a Medigap policy is during your 6-month Medigap open enrollment period, because you can buy any Medigap policy sold in your state, even if you have health problems.
Here are a few questions you need to ask and consider before you enroll:
- Do you understand what your out of pocket expenses are? Out of pocket expenses can include; deductibles, co-pays, travel expenses, and lost wages.
- Do you need dental or vison insurance? Dental insurance is not provided under group or individual health plans. We can offer options for both dental and vison plans. Consider what you'd spend without one or both of these types of policies and balance that amount against the cost of coverage.
- If you were out of work for a long period of time, do you have enough resources to pay your bills? Some employers offer long term disability. You may want to consider buying your own policy if this is not offered through your employer.
- Do you have an understanding of your many options? There are many plan options that have different benefits, deductibles, and co-pays.
- Are you a high activity family? Do you have children is sports? Do you like outdoor activities? Are you involved in adult sports leagues? You may want to consider some level of accident insurance. Accident insurance pays benefits you can use for medical bills and other out-of-pocket expenses.
A healthy body is a happy body, and there’s no better way to preserve your health and your family’s health than with a health insurance policy from Silva Management Insurance Services 888-611-7647.
Let’s face it, medical treatments aren’t cheap. Without health insurance coverage you could end up paying off medical bills for the rest of your life. Silva Management Insurance Services 888-611-7647 can help you find an affordable healthcare plan that’s right for you. Contact one of our friendly agents today to learn more.