If you have haven't reviewed the previous two
sections of this site, , please do so
now.
Plan Design with TAG gives you the ability to personally
choose many of the features of your health insurance plan. By doing
so you we can create a plan that fits your own individual needs and
situation.
At TAG you can speak with an experienced agent in order to
address all of the questions you may have, and enable you to design
a plan that is right for you.
• Control your
Costs.
By designing a plan instead of picking one from a list, you will
control your costs by choosing the right deductibles and options
for you. Every facet of every plan, even the "one size fits all",
has a cost associated with each component of coverage. With a "one
size fits all" style of plan it is priced as the sum of it's parts.
When we design your plan you will know what each facet of your plan
costs and determine for yourself if the cost is worth the coverage
for your situation. Individual Plan Design will empower you to
control your monthly payments more than any other program on the
market today.
• Control your Risk.
If you happen to be in a position where you are comfortable
covering some routine expenses yourself we can design a plan that
is more catastrophic in nature. If you would like many routine
costs covered, we can do that too. With a TAG agent, you are
enabled to determine, to a great extent, what you will pay for and
what the insurance plan will pay for.
For example if you are a healthy individual and want to raise your
deductible in order to lower costs, but still want first dollar
coverage for accidents and injuries...It can be done.
Customizing a plan puts you in charge of deductibles, co-pay
options, prescription coverage and even out of pocket
maximums.
We can show you the possibilities!
• Know Your Options.
TAG can show you your options. Let's face it, not everyone
is in perfect health. Individual consultation during plan design
uses "Field Underwriting" to show you what your options are
regardless of health status. If your condition is relatively minor
we can include what is commonly referred to as a "Rate Up" .
"Rate-up's" are basically additional costs per month that the
insurance company will charge to cover some pre existing
conditions. Including "Rate-Up's" in your plan design can get you
covered in many cases. In other cases a "Rider" may be available. A
"Rider" is the elimination of a pre existing condition from
coverage and can help many people get their application approved.
Please note that "Rate Up's" and "Rider's" are not available for
all conditions or in all states either. Your agent will help you
through the process.
• Field Underwriting is the Key.
Field Underwriting is the process during which , your agent will
review your medical history with you. We will look at any
conditions that you have and discuss which options are available to
handle those conditions. Field Underwriting will ensure:
- Accurate quotes that include your
conditions
Proper assessment and enhance your chances of getting approved for
health coverage.
- Show you products and options that will help
you if you can't be covered by a major medical plan due to pre
existing conditions.
The bottom line is this: If we can help you design a plan that fits
your needs and budget, we will. If you have conditions that that
preclude you from major medical coverage we will help you find
valuable benefit options to minimize your financial risk. Either
way, after your program is in place we will continue to
support you with a direct contact to your agent who will assist you
in getting the most out of your program.
