Individual & Family Plans

In the market for an Individual or for a family plan?  Please read on and follow this easy process to receive a quote from California's leading carriers. 

Individual & Family Plans 

There are several things to consider when choosing your plan.  A key to choosing the best individual plan for you is knowing your health care costs.  Health care costs are not just what you spend in monthly premium.  You must consider your total out of pocket expenses at the end of the year.  That would include your premium, copays, deductibles and any health care costs not covered under your plan.  

A good rule of thumb to remember is that you get what you pay for.  In the health insurance world there is no such thing as getting a Cadillac for the price of a Yugo.  Actuaries see that each plan is priced to the appropriate risk for the carrier.

Are you over insured?

You may be surprised to know that most people are over insured.  If you are a healthy individual who rarely goes to the doctor, why would you want to spend your money on an expensive plan?  Consider buying a high deductible PPO where you can still go to the doctor for your colds and check-ups for a nominal office copay.  The deductible generally only applies if you are hospitalized or are in need of services from a specialist.

Do you like to invest? 

 Do you understand the value of pre-tax money and tax-deferred growth?  Are you healthy and want to take advantage of the low premiums associated with high deductible PPOs? Perhaps you should consider an H.S.A. compatible PPO plan.  Please contact us at Truscott Benefits for complete understanding of how the H.S.A. products work.