Health insurance can be one of the most complex decisions you make every year. If you choose incorrectly, you will have to live with that decision for a year, which can make a major difference to your health care. Our team of independent agents at Barry Insurance Group in Pearland, TX, gives all of our customers personalized service to help them make the right insurance choice for them.
Is my doctor in the network?
Many people have a doctor that they prefer. If you have a doctor or specialist you want to continue to see, it is vital to find out if they are in the carrier’s network that you are looking at. Some doctors in a practice may be in a network, and others are not, so it is vital to get this information.
What is the monthly premium?
Premium should not be the first thing in your decision, but it is a determining factor. Health insurance won’t help you if you can’t afford the premium.
What is the yearly deductible?
Most policies these days have a yearly deductible that must be met before the coverage begins. With high deductible policies, there are other things you need to consider, like an FSA or an HSA.
Are my prescriptions covered?
If you take prescription medication, it is vital that you know that your medication is covered and what the copay will be. You can find this information in the formulary for your proposed policy. Drugs are listed in tiers, and you need to look for the generic and brand names. In many cases, you will need to choose the generic.
Call our office at Barry Insurance Group in Pearland, TX when you have to make the all-important decision about your health insurance.
When considering health insurance’s value, we frequently imagine the worst-case scenario. Insurance is unquestionably essential in the event of a severe illness or injury. A three-day hospital stay can cost over $50,000, and fixing a broken arm can cost at least $5,000. The cost of care can easily reach hundreds of thousands of dollars for more severe conditions like cancer.
Why Is Health Insurance So Important?
Here are the reasons that make health insurance very important:
- Treatments cost less, thanks to health insurance. When you purchase health insurance, you begin to gain advantages right away. If the medical professionals you visit are in your network, you will spend substantially less for office visits than you would if you didn’t have insurance. Even if your plan has a deductible, your costs will still be lower.
- Better health. People with health insurance use medical services more frequently and have greater health. It is untrue to assume that people take better care of themselves to stay healthy and avoid needing medical attention when they must pay more for health care. Research demonstrates that health insurance improves people’s health and health-related behaviors.
- Lower medical bills. Health insurance impacts financial health just as much as physical and mental health. People without health insurance who seek treatment incur enormous medical costs that typically put them in debt.
Barry Insurance Group – Trustworthy Insurance Company in Pearland, TX
Do you consider buying a health insurance plan for you and your family? Do you need help in choosing the right coverage? Do not hesitate to contact Barry Insurance Group, an insurance company serving clients in Pearland, TX, and nearby Houston areas. We will provide the information you need and help you find the best insurance plan based on your health needs and budget.
In the Pearland, TX area, there are many important forms of insurance that the average person needs to have. When you are looking to get any type of insurance, a quality health insurance policy should be at the top of your list of necessities. There are various important reasons people in this part of Texas need to get a quality health policy.
Why Health Insurance?
Coverage for Health Events
The most important reason that people will want to have a health plan when in this part of Texas is so they can have coverage for health events. If you have been in an accident, become ill, or have any other type of medical issue, the cost of medical attention, procedures, and medication can be significant. With insurance, you will be financially prepared for these situations. This can greatly reduce your personal out-of-pocket costs in these situations.
Requirement to Have Coverage
It is also a good idea to get health coverage as it could be a requirement. For the past several years, all individuals have been required to have some level of health coverage for both themselves and their dependents. At the end of the year, when taxes are filed, if you are not able to provide necessary evidence of coverage, you could face penalization and other challenges.
Give Us A Call
If you do live in the Pearland, TX area, you will likely know how important it is that you carry health insurance. As you are looking for coverage here, calling the Barry Insurance Group would be helpful. The Barry Insurance Group excels at helping people properly evaluate all of their personal insurance needs, including health coverage. Their support will help ensure you are able to select a policy that is right for you and your dependents.
Health insurance is something that is vital for everyone. It can be a lifesaver in times of emergency, and it can help you get the medical care that you need when you need it. Barry Insurance Group in Pearland, TX can help you navigate this important coverage.
These are some of the benefits of having health insurance:
1. Health Insurance Can Help You Pay for Unexpected Medical Bills
If you are ever faced with an unexpected medical bill, health insurance can help you pay for it. This is one of the most important benefits of having health insurance. Unexpected medical bills can be a financial burden and cause a lot of stress. With health insurance, you’ll have peace of mind knowing that you can get the care you need in Pearland TX, without having to worry about how you will pay for it.
2. To Safeguard Your Family’s Health
Your family is your life. You want to do everything you can to protect them. Having health insurance is one of the best ways to safeguard your family’s health. If something happens and your family member needs medical care, you’ll be able to get it for them without having to worry about how you will pay for it.
3. To Fight Lifestyle Diseases
Lifestyle diseases result from poor diet and lifestyle choices, such as obesity, heart disease, stroke, and diabetes. These diseases are expensive to treat and often require lifelong care. Having health insurance can help you afford the treatment you need to manage your condition.
4. To Protect Your Savings
Medical bills can be very expensive, and if you don’t have health insurance, you may have to pay for them all out of pocket. This can quickly deplete your savings and leave you in a difficult financial situation. Having health insurance from Barry Insurance Group can help you protect your savings and keep your finances healthy.
Give Us A Call
These are just a few of the benefits of having health insurance. If you don’t have health insurance, we encourage you to consider getting it. It can be a lifesaver in times of need and help you afford the care you need to stay healthy. Barry Insurance Group in Pearland, TX specializes in health Insurance plans for individuals, families, and businesses as well as other insurance coverages. Contact us today to learn more.
While health insurance is not required in Texas, it is strongly recommended for any resident. Barry Insurance Group serves Pearland, TX and highly encourages anyone shopping around for health insurance to reach out.
If health insurance is not required, why do I need it?
Simply put – you can’t plan for a health scare, you don’t know if you’ll have a medical issue and require hospitalization or medical attention. Medical bills are astoundingly high in the United States without coverage. Failing to invest in health insurance is extremely detrimental to your own health and financial security.
Many people think, "Well, I’m already healthy. I don’t need health insurance, do I?" Wrong again.
Part of staying healthy is having wellness check-ups with a general practitioner. They do routine physical exams, blood work (in some cases), and can refer you to specialists if you need something checked. Healthy people see the doctor at least once a year for preventative measures.
Without health insurance, a hospital visit could cost you thousands of dollars. A routine procedure or even a simple X-ray could take hundreds of your hard-earned money, right out of your pocket.
Texas residents work hard and deserve to be well cared for in their time of need. Don’t put the financial burden on your family or on yourself by failing to invest in a full-coverage healthcare plan. You may never need it; but if you do, you’ll be so grateful that you took the time to look out for yourself.
Barry Insurance Group understands that shopping for health insurance can be stressful and confusing. If you have questions or need guidance, don’t hesitate to reach out to us. We proudly serve the Pearland, TX area and would be happy to help.
At Barry Insurance Group, we talk to many very healthy people every day who think that they don’t need health insurance. This situation is familiar with young Pearland, TX people in particular, and we understand pretty well. However, even healthy people likely need health insurance at some point. Without it, there could be complications that you may not want to experience.
Why Do You Need Insurance If You’re Perfectly Healthy?
Did you know that even the youngest and healthiest people can develop unexpected diseases and other conditions that could be painful and hard to manage? Unfortunately, this problem is not unusual but is a frustrating and difficult one. For example, you could suddenly develop heart problems or cancer without warning.
And if you don’t have insurance, you will find yourself struggling to pay for treatments for these diseases. Now, we’re not trying to scare you here – if you’re healthy and young, you probably don’t have to worry about most conditions. And you could do without an insurance policy.
However, even healthy people need to go to the dentist, buy medications from time to time, get regular checkups, and even get eye exams and glasses. High-quality health insurance can significantly cut back on how much you have to pay for these services, giving you many benefits in the process.
Give Us a Chance
If you think you want health insurance even though you’re a very healthy person, please don’t hesitate to reach out to us today at Barry Insurance Group. We serve Pearland, TX, and the surrounding area and will work hard to find a policy that makes sense. Then, we’ll do what we can to find different add-ons and other features that help make your policy more appropriate for your needs.
The simple answer to this question is—everyone. No matter how healthy you are, you might need to visit the hospital for one reason or another. Without proper health insurance in Pearland, TX, you will be required to pay for medical expenses from your pockets, which can be pretty expensive. However, certain circumstances make it more likely that you will need health insurance more than other people. You need a health insurance plan if:
You are Expecting a Child
Financial preparation is quite essential if you are expecting a child. A lot of money goes into maternity and postnatal visits to the doctor. Therefore, you need to be prepared with adequate health insurance to cover the majority of the expenses. At Barry Insurance Group, we recommend consulting your doctor to find the best health insurance offers for maternity care.
You are Aged 26 or Older
The Affordable Care Act (ACA) allows young people to be covered under their parents’ health insurance until they are 26 years old. From that age, you will need to buy your separate health insurance to protect you and your family when you get married.
You are Unemployed or Self-Employed
If you lose your job, you are still eligible for health insurance through your employer’s health insurance plan via a program known as the Consolidated Omnibus Budget Reconciliation Act (COBRA). The program ensures that employees continue to have health insurance even after losing their jobs. If you are married and self-employed, you can purchase health insurance and include your spouse and children.
You are Approaching Retirement
When you retire, your income reduces, and you are no longer eligible for employer-sponsored health insurance. Retirement age also comes with age-related illnesses, some of which can be chronic and deadly. With this in mind, you need to make sure you have enough health insurance before you retire.
Don’t wait till you have an emergency to buy health insurance. Barry Insurance Group agents are always ready to provide you with useful information to help you make an informed decision. Contact our office in Pearland, TX today!
Health insurance is frequently in the news. It seems premiums are going up and coverage is going down. Changes in health insurance have made it much more complicated, and trying to find an affordable policy that offers the kind of coverage you need is challenging. At Barry Insurance Group in Pearland, TX, we pride ourselves on the high level of customer service we provide, and our dedicated staff will work with you to make sure you get the right health insurance for your needs and wallet. Understanding some key terms can help you make an educated choice.
Every health insurance company negotiates with doctors, hospitals, laboratories, and other healthcare professionals to provide services to their policyholders. This is their network. You want to make sure your preferred providers are in the network.
The formulary is the list of drugs covered under your health insurance plan. It includes both generic and brand name drugs. It is in tiers with different costs for each level. It is vital to your health that any drugs you take are in the formulary and to understand how much your prescription will cost you to fill.
A deductible is an amount you are required to pay before your insurance begins coverage. Most policies have a deductible, and some drugs do as well. High deductible plans are the most affordable, but they are not for everyone.
A copay is an amount you are required to pay for a particular service. It is your share and applies to many, if not all, services from doctor office visits to a hospital stay.
Choosing the right health insurance coverage is crucial for you and your family. At Barry Insurance Group in Pearland, TX, we have many years of experience and are here to help take some of the stress out of this critical choice. Give us a call or stop by our office for a no-obligation quote.