According to the Kaiser Family Foundation, only about 57 percent of Washington State residents have access to employer-provided health insurance. This includes spouses and children of employees insured by these plans. The remaining residents who qualify for neither Medicare nor Medicaid must get health insurance on their own in order to have coverage. If you are a Washington resident who needs health insurance for yourself or your family, it is to your benefit to that we at First Underwriters search the entire market to find you the health insurance that best fits you.
Serious health problems, like cancer and cardio-pulmonary disease, can cost hundreds of thousands of dollars in medical care. This is especially true if surgery or intensive care is necessary. Those who are uninsured can expect to pay these costs out of pocket – a financially unmanageable prospect for most Americans.
It should come as little surprise, therefore, that approximately half of all personal bankruptcy filings in the United States are the result of overwhelming medical bills.
Because there are a number of different types of plans, coverage levels, co-pays, deductibles and premiums, finding the health insurance policy that is right for you can be a confusing endeavor. Fortunately, you do not need to shop for coverage on your own. Our team at First Underwriters will assist you by answering your insurance-related questions, explaining your coverage options and helping you find the policy that best fits you and your family.
Physician office visits are one of the most common things that health insurance covers. Other common covered services include hospital room and board, emergency room visits, and inpatient substance abuse treatment.
Some things that you might think would be covered under a standard policy, such as chiropractic care and MRI’s, may not be; however, thanks to the the passing of the Affordable Care Act, most routine preventive services are covered in full.
Some insurance policies will cover vision services and surgeries while others will not. Special tests may not be covered and you should not expect all services to be covered 100 percent. There is normally an out-of-pocket expense, through a co-pay, coinsurance or deductible.