San Antonio Health Insurance
& Your Health
The changes in Obamacare and the various companies to offer a true medical plan can be very confusing. Is it any wonder that many opt not to purchase the insurance because of the complexity in obtaining a policy?
Life events force us to consider options that were never a concern before and health insurance may not be priority for some. For others is may be a way of life and a huge necessity.
At Almendariz Insurance, we believe your situation is a unique as your finger print. This is not a one size fits all and our approach is to understand the nature before offering solutions.
Our Job is to Guide Clients to a Safe Conclusion
Our goal is to offer you and your family a storehouse of options for your health insurance. Call today at (210) 301-1640 so we can review your needs, risks, and tolerance and put you in the right policy that makes your life simpler.
Ask the Right Questions
What is major medical?
What is temporary insurance?
What is a QLE?
Do all plans offer office co-pays?
What is an HSA?
This portion is paid to the Primary Care Physician (PCP) and Specialist Physician. Depending on the co-pay amount, there may be a difference for either kind of visit. Urgent care and Emergency co-pays are common and typically required at time of visit.
Portion paid for a formulary that is traditionally broken up into tier levels: 1/2/3/4/5. Most carriers have preferred pharmacies and mail-order options. Scripts are usually 30-90 days with the higher tier levels requiring pre-authorization and not offered as a 90 day supply.
This is a combined cost share after the deductible has been met and usually paid on a percentage.
Total expenses that is collective of the office visit co-pay, prescription co-pay, deductible, and co-insurance. Based on individual total, and family total is limited to overall
About Almendariz Insurance Health Insurance Division
Serving Greater San Antonio families since 2007, Almendariz Insurance is a local family-owned business. As an agent, Fernando Almendariz recognized the need for independence and freedom to offer different carriers. Every person in every family is unique. Offering our clients tailor-fit health options benefits overall health and finances. That’s why Almendariz maintains active relationships with multiple reputable and well-rated insurance underwriters. Because at the end of the day, it’s all about you. Call today at (210) 301-1640 and put us to work for you.
By having a working knowledge of health insurance, we understand that it can benefit your needs. Not all insurance companies are created alike, and by weighing the benefits of a particular plan we can then determine if cost is the best approach.
What kind of health insurance will I need?
Health insurance comes in all shapes in sized and if one is not careful they may find themselves with a policy that is inadequate. Knowing basic terminology is important such as “major-medical” because this separates itself from other companies that offer health insurance.
Now, is there anything wrong with other carriers that offer non-major medical coverage? No. It depends on the need. Dental, vision, indemnity, and temporary insurance fall under the category of health insurance but none of them are major-medical.
How do I go about getting a major-medical plan?
First, there is a window of time that anyone can buy a policy which is called the Open-Enrollment Period (OEP). At this time, individuals may apply for a tax-credit and shop on/off the marketplace exchange. Once that period is over, there must be a qualifying life event (QLE) for a Special Enrollment Period (SEP). A QLE would be a job loss, move, marriage, divorce, pregnancy, or involuntary loss of coverage. This is your “golden-ticket” to find another plan.
Keep up with change
Periodic reviews are necessary. Whether you are an employer or an employee, it is good to understand options for major-medical insurance.
Even though many believe cheaper is better, there have been instances where cheaper was costly because the policy did not cover a claim. Having a working knowledge leads to an informed decision instead of a costly one. We are here to guide and explain what does and does not work for you.
Call today at (210) 301-1640 and put us to work getting the best deal for you.