Health Insurance | Stagner Insurance Agency LLC

Health insurance comes in a variety of forms, all intended to lower medical bills and ensure individuals have needed healthcare. From hospital coverage to outpatient care, health insurance can significantly reduce financial strain and ensure beneficiaries have access to the care they need.

 Being enrolled in health insurance is important and can dictate the professionals you have access to. Providing your insurance information is often required when visiting a new doctor, so it’s important that you have health insurance. Let’s go over some details about health insurance and discuss how MO Life Broker can help you through the enrollment process.

How can I get health insurance?

Many people get health insurance through their employer. If you’re unemployed, there are still options. Contacting an insurance agency is the best way to get a quote and discuss your possibilities, as they can vary depending on your location. If you don’t have coverage through your employer, there are still many other ways to ensure you have the health insurance you need.

For those in a certain income bracket, Medicaid is an excellent option. Medicaid is provided through the US government and exists to ensure those that may not have health insurance get the coverage they need. Medicaid is intended for those that may not be able to afford health insurance through other avenues. Another excellent option provided by the government is Medicare.

Medicare

Many pay Medicare taxes while they’re working and then gain access to health insurance coverage when they turn 65. While this is the typical enrollment age, it is possible to enroll because of disability. In order to be eligible for a Special Needs Plan, you must have a diagnosis on their approved list. If this is the case, you’ll have access to coverage intended specifically for you.

Prescription drugs

Prescription coverage is one of the most beneficial areas of coverage for most people. Gaining access to prescription drug coverage can significantly reduce the amount you owe at the pharmacy. When choosing drug coverage, make sure to select a policy that includes the prescriptions you’re currently taking. Selecting the right type of policy is essential in making sure you have coverage that suits you.

Enrollment

Enrolling in health insurance can be complicated and will depend on the type of policy you’re enrolling in. One of the best ways to enroll in health insurance is by working closely with an insurance agent.

Discussing your questions with an insurance professional will increase the confidence you have in your decision and ensure the choice you’re making fits into your medical situation. Insurance is all about planning for the future, so there’s a lot to take into account when selecting health insurance.

Under 65

If you are under age 65 and Medicare doesn’t apply, you have options. But once again, there are a lot of factors that come into play. Your agent or broker needs to know exactly what to do in special situations like when you’re first turning 65 or retiring early and losing employer coverage or COBRA coverage.

ACA-compliant health insurance plans are other options. These are insurance plans offered by private companies that comply with the ACA for minimum essential coverage and pre-existing conditions. There are also many types of inexpensive coverages designed to close the gaps in other plans. Often referred to as supplemental or ancillary plans, some include dental, vision, hearing, hospital, cancer, accident, critical illness, etc.

MO Life Broker

At MO Life Broker, we believe in the importance of understanding our clients and their needs. Through this understanding, we select the best insurance policies possible. Health insurance is necessary and there are many different types of plans available, so it can be overwhelming to sort through them. We’re here to help and make that process simple.

If you’re ready to begin the enrollment process or are wanting to learn more, call us at 573-247-2391.