How Do You Enhance Self-Employed Health Insurance?
Health insurance costs employers thousands of dollars each year. It also is a big expense to the family budgets of workers. When you’re both the employer and employee, in the case of a self-employed worker, it’s twice the expense. You can beef up your coverage and enhance the services you receive by adjusting your health insurance. The initial change is a little time consuming, but it can make the difference in the benefits you provide for your family. Consider changing the type of plan you carry. If you have the traditional low deductible plan, you might find that a managed care plan provides more benefits for less money or less out of pocket expense. Managed care plans include the strictest, HMOs, and more liberal PPOs and POS plans. Look for plans that contain an ample number of medical providers in your area. Investigate the best plan for your situation. HMOs allow you to only go to a specific doctor as your primary health provider. They don’t pay for treatment unless specified by
