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Welcome to

 THE INSURANCE HELP


Toni King
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Independent Agent



LOOKING FOR
HEALTH INSURANCE?

I CAN HELP.

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  • FREE ONLINE OR PHONE INSURANCE QUOTES
  • FREE HELP WITH HEALTH QUESTIONS AND CONCERNS
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Welcome!
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When it comes to your family, choosing the right health insurance is a big decision.

HEALTH INSURANCE CAN BE VERY
CONFUSING.
 
HELP IS  HERE.
BELOW ARE A FEW QUESTIONS I GET ASKED FREQUENTLY:

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Q.  I have health insurance through my employer, but the cost to add my family is way too high!
A.  I may have the solution for you.  Keep yourself on your employer group plan, then take out a  
     seperate plan for your family.  This can often save you MEGA bucks.  Contact me and I'll
     search different options for you.

Q. Should I choose a "per occurrence deductible" or a yearly deductible?:
A.  A yearly deductible please!!  Think about if you were hospitalized more than once in a year.  Pay your yearly deductible only once.  It only makes sense.

Q. 
I want doctor office co-pays. But most plans only allow two to four per year.  What if I go more often?
A.  Many insurance companies are now increasing doctor office visits.  I also have access to a plan that provides unlimited visits with co-pay.

Q.  I saw a plan that had limits on hospital services.  What does this mean?
A.  Daily room and board limits, Surgery limits. Chemotherapy limits, miscellaneous charges limits.  Limits mean limits.  The plan will pay up to the limit they specify.  With costs rising, I would stay away from plans with $$$ limits.

Your insurance agent should be able to help you find the plan best for you.    First, you need to know the difference in agents.

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