Park City, Utah (PRWEB) December 29, 2013
Today, Zane Benefits, the number one online small business health benefits solution, published new information on health insurance selection.
According to Zane Benefits’ website, as the Affordable Care Act comes into effect January 1, many Americans are purchasing individual health insurance for the first time. Americans most impacted by the ACA are employees who are uninsured or employees who purchase their own health insurance coverage.
A licensed health insurance broker can be very helpful to learn about health insurance companies and plan options. They can help determine if an individual has available discounts through the health insurance marketplaces, and help with enrollments in a plan. It should not cost more to enroll in coverage through a health insurance broker. If an employer is offering a defined contribution healthcare allowance to help with your premium, the employer may be able to refer their employees to a health insurance broker as well.
Even though the ACA requires plans to cover preventative visits for free, out-of-pocket costs like deductibles, co-pays, and co-insurance can add up over the course of the year. When comparing similar plans across health insurance companies, compare the monthly premium cost and what is due when receiving care.
With the ACA, all plans offered will be categorized by a level of coverage, called the metallic tiers of coverage. However, these are general guidelines and not all plans offered within each category are identical.
Different insurance companies offer different types of health plans. Meaning, they are structured in different ways and offer different benefits. Once the selection is narrowed down to a few health insurance companies, assess whether their website and customer service are easy to use.
Click here to read the full article.
About Zane Benefits
Zane Benefits was founded in 2006 to provide a revolutionized SaaS (Software-as-a-Service) administration platform ("ZaneHealth") for defined contribution health care. The flagship software provides a 100% paperless administration experience to small businesses and insurance professionals that want to offer better health benefits without a traditional group health insurance plan at lower costs. For more information about Zane Benefits, visit http://www.zanebenefits.com.