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Why you need insurance at any age: Five tips to selecting an individual plan

Why you need insurance at any age: Five tips to selecting an individual plan
Times are tough and budgets are tight for many. Writing a check for your monthly insurance premium might seem like something you can forgo especially if you’re young and healthy.
However, cutting out health insurance now may have a long-term effect on your health and your wallet.
“Unfortunately, health issues and accidents happen, and getting sick or hurt without coverage is more expensive,” Chester Ho, MD, Health Alliance chief medical officer, said.
For example, the cost of a broken arm is more than $2,500, and if requiring surgery, can be several times that. If a hospital stay is required, add in another average cost of $7,400.
With health insurance, you're always covered if there’s an emergency and you know how to plan your monthly costs. Research your options to find a plan that best fits within your budget.
“We offer a host of affordable health plans that help you stay healthy and active,” Jonathan Davis, Health Alliance community liaison, said. “Most individual plans include coverage for tests and screenings, colds, minor injuries and prescription medications. Having the right insurance plan can aGettyImages-1263520989.jpglso help you manage costs for serious diseases or major injuries.”
As consumers ourselves, we know how complicated healthcare can be so Simplete’s award-winning customer service team stands ready to assist you when you call (877) 634-3390. Here are a few tips to help you get started:
First up, consider your options.
Take some time to compare benefits, services and costs. Simplete offers a variety of plans to fit your needs. Our team helps determine if you may be eligible for cost-sharing assistance or premium tax credits to help lower your monthly premium.
“Our plans quite simply save you money and stay healthy,” Davis said.
Next, anticipate your health expenses.
Think about how many times a year you visit a doctor or a specialist. Do you need dental, vision or hearing coverage? What about a prescription drug plan?
“Your life and family play a major part in choosing the right insurance plan. Do you need coverage for yourself or your children too? Are you expecting a baby or thinking about a major surgery? Those can really impact the type of plan you choose,” Davis said.
Ask if the plan you’re considering covers virtual visits.
We know getting to the doctor’s office takes time and during the pandemic, you may have reservations about seeing someone in person. Simplete offers free virtual visits – including behavioral health – to meet your healthcare needs 24/7 from the comfort of home or even on the go.

Explore any additional health plan perks.
A number of plans offer benefits for staying active and keeping yourself healthy. Many plans cover vision and dental as well as your medical needs. Health Alliance also provides all members with:
  • Care coordination to help manage your care.
  • Chronic disease management resources.
  • Tobacco cessation resources.
  • Access to Anytime Nurse Line and Assist America coverage while traveling.
  • Even a fitness center benefit.
  • Access to Hally™, the mobile app to help you navigate your coverage anytime and receive helpful health and wellness tools, tips and tricks. 
Enroll before Dec. 15.
Not sure where to start? Our team can help you find answers to even the simplest of healthcare or insurance questions. Ask questions about terms you don’t understand like deductible, coinsurance or out-of-pocket costs. 
  • Call Health Alliance at (877) 686-1168.
  • Go to
  • Contact your local agent.
“It’s best not to wait until the last minute since it takes time to compare all the different plans,” Davis said.

Categories: Staying Healthy

Tags: benefits, Health Alliance, insurance, medicare news