HEALTH
INSURANCE

HEALTH CARE IS TRICKY — WE'RE HERE TO HELP

Finding the best health insurance plan for you and your family starts with our TRICOR Cycle of Care. Our first step is discovering what’s most important to you. For some, it’s choosing which doctors to see and determining out-of-pocket expenses. Others want to weigh their options regarding high-deductible plans and the types of medication covered under those plans. If you’re unsure, we’re here to ask the right questions and help you get a plan for what matters most to you.

 

Contact an Agent

CHOOSING THE RIGHT PLAN

Through our discovery phase, we’ll recommend identifying “dealbreakers” — they’re not same for everyone. We’ll offer dealbreaker options we typically see in our local area that are foundational to choosing the right plan. We’re here to help you with recommendations, and local advice.

 

TRICOR can help find the right health insurance coverage, contact us today.

 

MITIGATE YOUR EXPENSES

Once we’ve identified your “dealbreakers,” we’ll have a better view of your foundational choices and we'll start helping you understand how you can mitigate your expenses. We know that for many, health insurance is an especially important decision because it’s a large portion of a family’s budget and we'll help you get the best value.

MAKE TRICOR YOUR CHOICE

How does purchasing from a TRICOR licensed agent compare with using the Federal Marketplace Exchange?

 

ISSUE

TRICOR LICENSED AGENT

FEDERAL MARKETPLACE EXCHANGE

Costs you more money to use?

No

No

Helps you understand plans on the federal marketplace exchange?

Yes

Yes

Helps you know the plans in your area outside of the federal marketplace exchange?

Yes

No

Can be your advocate if you have a problem with the insurance carrier?

Yes

No

FAQs

 

This can get complicated based on the plan you choose, but here are a few typical things to think about (this is not intended as an all-inclusive list):

  • Deductible: This is the amount you must pay for health-insurance-related costs prior to your health insurance kicking in.
  • Co-pay (co-payment): A fixed dollar amount within the health plan you pay up front, for a covered service.
  • Co-insurance: An agreed upon percentage allowed for charges on covered services. For example, you may be responsible for 10%, while your health insurance carrier is responsible for 90%. This typically applies after you have met your deductible.
  • Out-of-pocket maximum: There is a lot of variation in plans for this one in particular. Once you have reached your agreed upon maximum out-of-pocket expense with your health insurance carrier, your health insurance carrier will typically pay 100% of covered services. Remember, this does not include your monthly premium.

Each individual health insurance carrier has contracts with doctors, hospitals, laboratories, pharmacies, etc.; this is called their “network”. Remember the deal breakers we discussed above? This is typically the most important deal breaker we hear from our clients. It’s not uncommon for doctors to enter and leave health insurance networks. It’s best to ask your doctors’ office which network and provider options they carry.

Open enrollment typically starts in the fall and goes through mid-December. But if you have a qualifying event such as marriage, had a baby (or adopted), change in residence (move from one zip code to another), etc., you may be eligible for a special enrollment period. A special enrollment period is open for 60 days after the qualifying event.

CONTACT A LOCAL AGENT TO GET STARTED

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