Every individual and family has different
needs. Some have a house full of children, others don't. Some
people travel quite a bit, others stay close to home. There are an
infinite number of situations and you need to evaluate yours
if you are to make a decision that is proper for you. You should
also consider your lifestyle while shopping for health plans.
Please also consider your personal medical history as well as that
of your family, including any hereditary issues. Please ask
yourself the following questions:
• What am I hoping to achieve with my health plan?
• How do I plan to use my coverage?
• How long do I need this plan?
• How much am I willing to cover myself?
• Are there conditions in my family history that I NEED to be
covered for?
These are but a few of the areas that will be discussed during your
discussion with one of TAG's licensed agents.
If you are like most of us the answer is at work. We do design
plans that cover you on the job. But the question goes deeper than
that.
• Do you travel?
• Do you spend periods of the year is another part of the
country?
• Are you spending time in outdoor activities or
sports?
Again, these are just some of the things that you should be
considering and areas that will be discussed during your plan
.
Well the question had to be asked sometime! Designing a plan that
you can't afford will not do anyone any good. On the other hand
hiding behind the fear of a large monthly payment is not the answer
either.
At TAG we carry a variety of options to get you the
most coverage for your budget. Additionally, our plan designs
include "Field Underwritinguote" so we can work your pre -existing
conditions, if acceptable, into the q. This process will give you
an accurate picture of what your desired coverage will actually
cost. Or we will let you know upfront if you even qualify for the
plan you are considering and suggest other options if
necessary.
• Policy Maximums
All true insurance plans have them. The plan maximum refers to the
most an insurance plan will pay in total, no matter what the
circumstances are. Some plans have individual lifetime maximums,
some have family lifetime maximums and some have annual maximums
for either the family or per individual.
In the present state of health insurance's escalating costs you
should be looking for a plan that has the highest maximums that you
can find. It is our strong recommendation that you cover your
family with at least $5,000,000 per person. Five million per person
is pretty much top of the line, and will go a long way towards
ensuring that you and your family are protected now and for years
to come. TAG has plan designs that give you the coverage
that you need for the catastrophic event.
• Maximum Out Of Pocket/Stop Loss
The "Max Out Of Pocket" refers to the most that you will pay in
deductibles and coinsurance in any given year. No matter how large
your medical bills are (up to plan maximums, of course). If you are
in or looking at a plan that does not have the "Max Out Of Pocket"
and "Coinsurance Stop Loss" stated clearly and understandably in
writing, you are asking for trouble. With TAG's Major
Medical Plan Designs your "Max Out Of Pocket" and "Coinsurance Stop
Loss" will not only be clearly stated, you will have a say in what
the amount of it is.
