Health Insurance in Meridian, ID and Boise, ID
The types of health insurance you should get depend on your individual health insurance needs. Health insurance, regardless of type, helps pay for some or all of covered health care costs, taking the total financial burden of obtaining health care services off you. After choosing a health plan, you agree to pay the insurer a monthly premium in exchange for their agreement to provide the levels of coverage as set forth by your health plan. There may be cost-sharing requirements, like deductibles, copays, coinsurance, and out-of-pocket maximums, as well as network usage requirements. At Mustard Seed Financial & Insurance, we’re here to help you find the health care coverage that’s best for you.
Types of Health Insurance
There are two main types of health insurance to choose from—public health insurance and private health insurance. Public health insurance includes options such as Medicare, Medicaid and Marketplace (Exchange) coverage. Private health insurance includes options offered through an employer or that you purchase directly from a private insurance company. What option best suits you will be determined based on your unique healthcare needs. Be sure to discuss what you’re looking for in your coverage with an agent.
Is Health Insurance Required?
While health insurance is not required, it is one of the most sought-out coverage options you can have due to the hefty out-of-pocket costs you may be stuck with without coverage. Health insurance necessities vary from person to person. You may need health care when you least expect it, so it’s essential to be proactive and have coverage before you get into a situation where you need it and don’t have it. Reach out to an agent to determine if coverage suits your needs.
Get Started With Health Insurance
Our agents at Mustard Seed Financial & Insurance are here to help you determine which type of health insurance you need. Coverage options can seem intimidating, but our experts help make sorting your choices easy. Connect with an agent to discuss your needs and get started with coverage today.