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Finding The Right Coverage Doesn't Have To Be So Stressful!

This section on our website was created just to help you better understand some basics on health insurance so that you can make an informed decision on what's best for you and your needs!

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We're constantly putting out more and more information about health insurance so that anyone who might be in need of coverage can enter the conversation better informed. Getting the coverage that you actually need is always easier when you know what you're walking in to.

Budd Health Advisors

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HMO or PPO Health Insurance

HMO VS. PPO

Having the ability to be seen by your preferred medical provider vs. being told which doctors you're allowed to visit is something that you need to be aware of when comparing health insurance policies/providers. We pride ourselves in our advanced & extensive network of PPO policy providers which allow us to grant access to the largest network of medical providers in the country who will accept PPO policies! Our clients get to enjoy the widest range of available options when it comes to being seen and accepted by medical practitioners all over the country.

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Affordability

No matter how great the coverage on a policy is, if you can't afford to keep it in place, then you're just throwing money away. As advisors, it's our duty to ensure that when we build a plan for you, it is built to fit your specific needs (which includes staying within your budget) so that you have a quality & reliable policy that you know will be there when you need it most! If your financial situation has taken a turn, simply let us know. We can build a simple policy to get you basic coverage and simply upgrade for additional benefits at a later date when things are going your way.

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Benefits

Not all policies are created equal! While many health insurance policies claim to bring you a whole list of benefits, they often have tricky stipulations hidden in the fine print and loopholes that can prevent coverage activation for the policy holder. Each and every policy written, brokered, or created by us will not only come with benefits that are easy to understand. But also prior to activation of your custom built policy, we will conduct a screen share presentation and go over the benefits in a simple and straightforward manner!

What To Consider When Shopping For Health Insurance

  • Why would I need my own policy if I'm already insured through work?
    We get this question all the time! It's true. In many cases, your work policy might be all the coverage you need, and in other cases the work provided policy only addresses some of your needs, to which we can take care of via supplementation. But having a health insurance policy built specifically for you removes the danger of you losing that policy and it's coverage due to things that may be out of your control. Such as layoffs, the workplace letting the payment account lapse, policy expiration, or lack of eligibility for policy renewal! Individual policies can get ahead of the curve on all of those potential issues! Simply book your free call with us or fill out the short form to learn a little more about this!
  • How many employees do I need on my payroll to be eligible for group policies?
    Yet another common question for us. Many providers only target businesses with 30+ employees. Not us though! We're here for any business size big or small! Whether you're working on your own as a Sole Proprietor, just starting out with a smaller LLC, or even preparing for something a bit more ambitious. We can help write a policy that not only takes care of you, the needs of your business, but also your employees and their families!
  • How often do I need to re-apply for insurance once I have it in place?
    Along with the application, there's a thing called underwriting. Underwriting is basically a short process in which your medical history is reviewed and you're deemed either eligible or ineligible for the respective insurance policy. Our policies only require this process once! Which is upon your initial application. That's it! Once the policy is in place we build them so they will automatically renew at their maturity and continue to do so without a lapse in your coverage. No matter how frequently/infrequently you may have to activate your policies benefits!
  • Will my health insurance increase in price if I ever have to use it?
    Nope! Not with us! Part of the reason we underwrite our policies on the front end is to avoid exactly this thing
  • How do I know if I would even qualify?
    The quickest and simplest way to get this information is just to have a quick chat with one of our advisors. We can pre-qualify you after just a few minutes over the phone or through some texts/emails. As advisors, we do this for a living, so we know all the ins and outs of this complicated world of insurance.
  • How quickly can you get my policy in force?
    Short answer is that it's possible to get your policy in place the same day! But it all comes down to how prepared you are to go through our approval process. If you're in a rush to get coverage so you can have peace of mind, one of our advisors will work with you from start to finish and we will gladly help you get your coverage in place within 1 business day if that's your goal.
  • How do I file a claim?
    In the event that something happens to you while your policy is in force, your assigned advisor will help you and guide you through the entire claims process. There's no need to go down a rabbit hole of customer support strangers. Simply contact your advisor and we'll take the wheel.
  • Are your policies HMO policies or PPO policies?
    We have access to all types of plans. Our job as advisors is simply to help guide you through the entire process so you get the plan that's right for you.
  • What makes insurance so expensive?
    There are two major factors that come into play when getting quality coverage. The first is your current age, and the second is related to your health. So you have two opportunities to keep your premiums affordable. One, you can be proactive and get your insurance in place sooner rather than later. Two, take as good of care of your health as possible. Life happens to us all, but staying generally healthy is going to provide more options for you.
  • What if I'm a little overweight or have had some medical issues already?
    Life is hard sometimes. But that doesn't mean you have to go without insurance. Although a young and healthy person will have a wider range of options. That doesn't mean that not being in your 20s and in the best shape of your life will leave you as uninsurable. Just reach out to us and one of our advisors will walk you through your options.
  • I'm self-employed, how does that affect my ability to get health insurance?
    Entrepreneurs and small business owners have access to a variety of wonderful benefits when it comes to health insurance. Simply ask to be contacted by one of our advisors and we'll walk you through all of the options available to you!
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