The Four E's of Health Insurance

Comparing health care insurance plans can be tedious, time-consuming, and bewildering. You practically need an MD, MBA, and law degree to sift through the vast array of choices and confusing terminology used in today's health insurance plans. That's where the professionals at Stokely Health Insurance come in. Using our depth of experience and the latest industry information, we can match your medical needs to the best available health insurance plan to protect you and your family without unnecessary expense. These are four main areas to consider when comparing health insurance plans:

1. Economy. The goal of any insurance—including health care insurance—is to safeguard your family's financial assets from major losses. Whether the losses are immediate from a medical condition, or whether they accumulate over time as the result of paying a health insurance premium that is too high, your financial strength can be compromised either way. That's why Stokely Health Insurance takes care to strike the right balance between coverage and economy. We make sure your potential medical losses are covered, but we also take care that the premiums you pay do not erode your financial stability.

2. Experience. The people at Stokely Health Insurance are not just health insurance professionals, sometimes we are medical patients, just as you are. So we know the importance of seeing healthcare professionals you have experience with. The doctor or specialist's knowledge of you and your medical history will allow them to diagnose and treat your medical conditions more efficiently while making you feel at ease. If keeping your doctor is a priority for you, we will concentrate on finding health insurance providers that work with your current doctor and specialists, so you continue to have the best possible health care experience.

3. Existing Conditions. A medical condition that already exists is often called a preexisting condition, because it exists prior to enrolling in a new health insurance plan. Changing federal and state laws are gradually phasing out exclusions and waiting periods based on preexisting conditions for individual health insurance plans. During this time of change, it pays to have a health insurance agent who can match you to a health insurance plan with the shortest waiting period or no waiting period at all for a preexisting medical condition. The experts at Stokely Health Insurance know the various policies of health insurance providers and are up-to-date on the changing healthcare laws, so can get you the best coverage for any preexisting condition you have.

4. Expensive Medications. There is more to developing a health insurance quote than comparing rates and premiums. One of the chief points of difference between health care insurance plans involves the coverage of expensive prescription medications. At Stokely Health Insurance, we perform a prescription medication audit before we explore your options. If no one in your family is taking an expensive prescription medication, we will look for a plan with a lower premium and a less inclusive drug benefit. However, if prescription meds are an integral part of your health care, then we will shop for a plan that minimizes the cost of those drugs.