San Antonio Health Insurance
Covering You
& 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
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What is major medical?
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What is temporary insurance?
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What is a QLE?
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Do all plans offer office co-pays?
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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.
MISSING
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.
