Ask The Expert
First, some introductory remarks by our Expert, Jeffrey Rosen:
In the world of individual or group health insurance, it is important to understand that brokers can be your best allies. True, they need to get paid, but it will never be by you. The insurance companies price into the health insurance the cost of using a broker. That commission is something that is imbedded into the cost and can never be changed. Even if you tell the insurer that you do not plan on using a broker, the cost cannot be taken out. Therefore, given that brokers are paid by the insurers and not by you, they can be your best allies in terms of choosing a plan as well as assisting you with claims issues. Read More»
- Why does my health plan insist that I see my primary care physician before I see a specialist?
- What are the most important factors I should consider when choosing a health insurance plan?
- What are the most important factors I should consider when choosing a health insurance provider?
- How much health insurance coverage should I have?
- Why are there so many options and how should I evaluate one versus another?
- In choosing a provider, how can I determine if a given provider will provide sufficient coverage for all claims?
- What should I do if after I am enrolled I discover that my provider is denying my claims?
- What are my options for health care coverage as a small business owner?
- My son is a recent college graduate,but is currently unemployed. What should he do to make sure he has health care coverage?
- Should I now consider buying supplemental health coverage in addition to Medicare? If so, what types of plans should I consider?
- Do I have any alternatives to COBRA?
- How do I retain my primary care physician under my new health plan?