Muscular Dystrophy News Forums Forums Support Groups Adults​ ​With​ ​Muscular Dystrophy Do You Need Help Choosing the Right Medical Insurance?

  • Do You Need Help Choosing the Right Medical Insurance?

    Posted by leah-leilani on November 17, 2022 at 4:00 pm

    My family and I have found that having an Insurance broker has been monumentally beneficial in helping us find the best insurance provider for my specific medical needs. Rather than insurance agents that represent a company, brokers are different because they represent the customer by providing expert guidance, access to policy information, and a selection of personalized options. 

     

    On our own, we wouldn’t have the knowledge base as to which insurance plan and coverage would allow me to have the medical care I need at an affordable cost. There are so many options that we’d be looking for a needle in a haystack. 

     

    Our insurance broker also took into consideration my medications as well as the specialists I see to guide us in the right direction. Some of my medications would cost hundreds, if not thousands of dollars out of pocket without the right insurance to help minimize the expense. 

     

    You may be thinking that enlisting the help of an insurance broker sounds expensive. But what most people don’t know is that there is no out-of-pocket expense from the customer. 

     

    Have you considered getting in contact with an insurance broker?

    tracy-myall replied 1 year, 4 months ago 1 Member · 1 Reply
  • 1 Reply
  • tracy-myall

    Member
    December 6, 2022 at 4:41 pm

    I am really frustrated with insurance this year. I went on Covered California and my plan has gone up $200/mo. to $529 which is a lot on a fixed income of $1475/mo. Plus I still have a house payment, supplemental costs and seven animals besides myself to support!

    But when I looked at other plans to compare, I found my normal doctors but none of my UCSF specialists were covered. I felt like I had no choice, with my disability, except to stick with the expensive plan. I know that I’ll have at least one more surgery coming up in the next 1-2 years. So could a broker help with something like that? Do they look at custom plans not included by Covered California?

Log in to reply.