Shield Insurance Agency Blog | Health Insurance | Contact Bri or Carlos for details

Medical expenses can be a significant financial burden, especially if you or a family member
requires extensive medical treatment. Health insurance is a crucial tool that can help you
manage these costs and ensure that you and your loved ones receive the care you need. In this
blog post, we will explore the different types of health insurance available, the benefits of having
health insurance, and how to find affordable coverage.

Types of Health Insurance

There are two main types of health insurance: private health insurance and public health
insurance. Private health insurance is typically purchased by individuals or provided by
employers as part of a benefits package. Public health insurance is provided by the government
and includes programs like Medicare and Medicaid.

Supplemental health insurance is another type of coverage that can be added to your existing
health insurance plan. This type of insurance can help cover costs that are not included in your
primary health insurance plan, such as deductibles, copayments, and coinsurance.
Benefits of Having Health Insurance

The primary benefit of having health insurance is protection. Health insurance can help cover
the costs of medical treatment, including doctor visits, hospital stays, and prescription
medications. Without health insurance, these expenses can quickly add up and become
Unmanageable.

In addition to financial protection, health insurance can also provide peace of mind. Knowing
that you and your family are covered in the event of a medical emergency can alleviate stress
and anxiety.

Finding Affordable Health Insurance

One of the biggest concerns for many people when it comes to health insurance is affordability.
Fortunately, there are several ways to find affordable coverage.

One option is to shop around for health insurance quotes. Shield Insurance Agency represents
over 40 insurance companies and can help you find a plan that fits your needs and budget.

Contact Shield Insurance Agency at (616) 896-4600 for a free quote today.

Another option is to consider a high-deductible health plan. These plans typically have lower
monthly premiums but require you to pay a higher deductible before your insurance coverage
kicks in. While this can be a riskier option, it can also be a good choice for those who are
generally healthy and do not anticipate needing extensive medical treatment.

Finally, you may be eligible for public health insurance programs like Medicaid or Medicare.
These programs are designed to provide coverage for low-income individuals and seniors,
respectively.

Choosing the Right Health Insurance Plan

When choosing a health insurance plan, it is important to consider your specific needs and
budget. Some factors to consider include:

Monthly premiums: How much can you afford to pay each month for health insurance?
Deductibles: How much will you have to pay out of pocket before your insurance coverage kicks in?
Copayments and coinsurance: How much will you be responsible for paying for doctor visits,
prescriptions, and other medical expenses?
Network: Does the plan include the doctors and hospitals you prefer to use?
Coverage: Does the plan cover the medical treatments and services you need?

By carefully considering these factors, you can choose a health insurance plan that provides the
protection you need at a price you can afford.

In conclusion, health insurance is a crucial tool for protecting yourself and your family from the
financial burden of medical expenses. Whether you choose private health insurance, public
health insurance, or supplemental health insurance, it is important to find a plan that fits your
needs and budget. By working with Shield Insurance Agency and carefully considering your
options, you can find affordable health insurance coverage that provides the protection you
need.

Contact A Shield Agent today for a review of your current policy and learn about your healthcare options:

Brianna Kornoelje, Health Benefits Advisor, Direct Line: 616.777.3012

Carlos Garcia, Health Benefits AdvisorHabla español, Direct Line: 616-777-3017