Health Insurance is quickly becoming the most discussed political issues in the country. We get more questions than ever on highly debated topics, such as health care reform. It is a perplexing topic for individuals and businesses alike. We can help you navigate the changing landscape and meet requirements as mandated federal health care laws take effect. Whether you need a personal health insurance quote in Louisiana or a group health plan for your commercial business or non-profit organization, Pete Nicolosi and Associates can help.
If you do not have access to health insurance through an employer, you may be seeking personal coverage for you and your family. Health insurance can be expensive and confusing, but you do not need to go into it alone. Pete Nicolosi and Associates can help you find options that will provide peace of mind at a price you can afford. We will discuss essential types of health insurance and additional options as well.
For example, high-deductible health insurance may be the choice for you. Regular insurance premiums will be lower but routine medical expenses will be your responsibility. It does pay after your deductible has been met, though, so hospital stays or other expensive ongoing services will be covered.
When narrowing your health insurance choices, we will help you consider a number of factors:
Do I want basic or comprehensive coverage? Plans with basic coverage protect your finances in case of illness or injury. Features include:
Comprehensive plans often cover more, including chemical dependency or behavioral health care, maternity, prescriptions, vision and eye care, and regular doctor office visits. Features include:
Is my doctor or hospital covered by the plan? Search your health plan’s directory of doctors, clinics and hospitals to find out if your doctor is covered by the health plan. You get more benefits if you use doctors who are in the plan’s network.
Are prescription drugs covered? Prescription drug coverage varies by plan. For example, some plans give you choices. Some have a copay, depending on the type of drug and the plan pays the rest. On other plans, you must first meet your deductible before anything is paid. Most plans have a list of drugs that are covered. It’s called a formulary.
What is the health plan company’s reputation? It’s worth looking into.
Consider your options carefully You are choosing a health plan for an important part of your life. So you’ll want an agency that’s dependable, will be there whenever you need support, and that gives you plenty of plan options to fit your needs and budget.
One vital employee benefit your organization offers valued employees is group health insurance. When you partner with Pete Nicolosi and Associates for this coverage, we help you understand the options and become your advocate when searching for affordable group health plans.
There are many different types of insurance and benefits that comprise a typical Louisiana group health plan:
We represent several reputable insurance companies and find the right combination of insurance solutions for your organization and your budget.