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Health insurance may be the most important type of insurance you can carry. That’s because it affects more areas than just your health, it can also affect your financial bottom line.
Unexpected medical bills can devastate your finances. Health insurance doesn’t just help you pay for care, it can also financially protect you and your family in the event of unexpected medical event.
Unpredictable costs can rob your peace of mind. You don’t want to be in the position of adding “money stress” to an already stressful medical situation. Since care costs are so unpredictable, proper coverage can give you definite peace of mind in knowing you are protected from most of these costs.
Uncovered illness can eliminate your options. Proper coverage means you have options. When you don’t have insurance, you’re at the mercy of the healthcare system, which often means no care at all.
On March 23, 2010, President Obama signed the Affordable Care Act. This law was designed to bring comprehensive health insurance reforms, hold insurance carriers accountable for costs, and give more consumers access to health care.
Each year, there is a period of time called “open enrollment," which runs from November through January. During this time, you can shop and apply for a new health insurance plan if you find your current plan unsuitable. Once open enrollment period ends, you cannot buy or change a plan unless, you have a qualifying life event (such as losing your current coverage, getting married, or having a baby).
Consumers are also offered tax credits if their household income falls below established thresholds. The law also requires penalties, based on income or number of dependents, for consumers who choose not to participate in a health care plan.
Until recently, most people got their health insurance from their employer, and those with lower incomes received coverage from the government. But more and more, people are buying private health insurance plans tailor made for individuals, and families.
If you find yourself in this position, without a clear understanding of what you should do or even look for, you may want to investigate getting an individual health insurance plan from us now.
Because we are an independent agency offering timely health insurance quotes and online applications from multiple health insurance companies. Compare options, and apply online from the convenience of your own home or office.
We can help you simplify what seems complex, and help you choose from quality, competitive health care plans, including:
The cost of healthcare in Ames can be staggering. A visit to the emergency room can cost from $150 - $3,000 depending on the severity of the condition and what tests and treatments are performed. The cost for a critical care visit to the emergency room could cost $20,000 or more. Without a health plan in place healthcare bills could cause financial hardship to your and your family.
At Knapp Tedesco Insurance we can offer you many options for Copay Plans, Coinsurance Plans and High Deductible Plans. We can guide you through choosing the best provider network whether it is a PPO Plan, HMO Plan or POS Plan. There are also many options available for your prescription coverage so it is important to understand the drug plans available before choosing a plan. Our Health Care Insurance agents are here to answer your questions and to help you navigate through your options.
When you work with Knapp Tedesco Insurance you have access to our agents – your trusted advisor – who will be your advocate through the process of choosing the best Healthcare Insurance policy. Purchasing the right insurance is very important in order to keep you from suffering from financial hardship. We can make sure you are getting the protection you need at a price you can afford.
We have been providing Health Care Insurance in Ames, Iowa since 1926. Don’t navigate through what can be a confusing process alone, let us help you today. Complete the Quote Form on this page and let us get to work on our protection today!