Health Insurance in Winston-Salem, NC

Injuries, illnesses, accidents and other health-related issues are an inevitability in life. Despite your best efforts and most responsible choices, you’ll likely eventually require assistance from a doctor, hospital or other health care provider. With that being said, making sure you have the ability to access essential services without breaking the bank should be a priority. Having the right health insurance is key.

Why Is Health Insurance Important?

Medical bills, including those for prescription drugs, hospital stays, diagnoses, lab work and emergency procedures, can quickly amount to hundreds or even thousands of dollars. These expenses may also arise unexpectedly and at inopportune times, potentially throwing off your budget and derailing financial plans. But with the help of health insurance, you can offset a significant portion of these costs and potentially stave off situations that might have otherwise led to financial ruin.

How Does My Policy Work?

Health insurance can come in many forms and may have varying capabilities and limitations. You’ll want to make sure you fully understand the various facets of your policy to avoid potentially unpleasant surprises and coverage denials. Specifically, take a close look at the following clauses in your plan:

• Your premium is how much you’ll pay regularly (e.g., monthly) to maintain your coverage.
• Your deductible is an out-of-pocket amount you must pay during a coverage year before your policy can begin to contribute aid.
• Your copays and coinsurance are additional out-of-pocket costs you’re responsible for providing for certain services.
• Your out-of-pocket maximum establishes a limit you can be made to pay for covered services in a single plan year.

Where Can I Get Coverage?

Health insurance can be obtained through several means. Some people may be eligible for government-operated programs, such as Medicare and Medicaid. Alternatively, you can peruse the offerings of the Health Insurance Marketplace for individual and family plans. But many people find the most suitable option to be enrolling in a group health insurance plan offered through their employer.

At Charles Brunson Agency, we can help you explore your coverage options and select a plan applicable to your needs. Contact us today to begin.