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Navigating Health Insurance: What You Need To Know

Health insurance can feel overwhelming. At Arial Insurance Group, serving Chicago, IL, we can help you navigate this important yet confusing type of insurance coverage. Keep reading to find out more.

Do I Need Health Insurance?

With rising health insurance costs in America, some people wonder if they should even invest in health insurance. It is important to remember that health care costs are also rising. This means that if you have need of extensive health care, you could be left financially vulnerable if you were to pay out of pocket. Health insurance protects you from this vulnerability.

What Is Open Enrollment?

Open enrollment is a particular time when you can sign up for health insurance each year. This window varies from company to company. You will need to talk with an insurance agent who can advise you on when open enrollment is. 

Why Are There Different Types of Health Insurance Plans?

Health insurance plans vary because different people need different levels of health care coverage. A very healthy individual will not need the same type of coverage as someone with significant health problems. 

What’s The Difference Between Premium and Deductible?

A monthly premium is how much you pay for health insurance each month. A deductible is a set amount that you will need to pay out of pocket before your health insurance will kick in to pay for your health care services. In most cases, a smaller monthly premium will have a higher annual deductible, whereas a higher monthly premium will have a lower annual deductible. 

If you want to learn more, please contact us at Arial Insurance Group, serving Chicago, IL, and the surrounding areas. 

 

Partner Carriers

  • Aegis
  • American Modern
  • American Strategic Insurance(ASI)
  • Assurant Flood Solutions
  • Berkshire Hathaway Guard
  • Capital Premium Financing
  • Cigna
  • Dovetail
  • Foremost
  • Grange
  • Hagerty
  • Humana
  • Kansas City Life Insurance Company
  • Met Life and Health
  • National General
  • Nationwide
  • Old American Life
  • Openly
  • Progressive
  • RLI Surety
  • State Auto
  • Stillwater
  • Travelers
  • United Healthcare