Confused About Buying Health Insurance? Let Us Simplify It for You!
Understand the 5 Key Factors That Affect Your Coverage — Watch Our Quick Video to Learn How to Choose the Right Plan
Buying health insurance can be confusing, especially if you’ve never done it before. In this video, I break down the 5 key factors you must understand before picking a plan:
- Deductible — what you pay upfront
- Co-insurance — your share of costs after deductible
- Co-pay — fixed fees per visit or prescription
- Out-of-pocket maximum — your financial safety net
- Provider network — where your plan actually works
Knowing these will help you avoid surprise bills and wasted money.
Frequently Asked Questions
The deductible is what you pay before insurance kicks in. The out-of-pocket max is the most you’ll pay total in a year.
That depends on your budget and health needs. Robert helps you compare high vs. low deductible plans based on your profile.
They’re different. Copays are fixed fees; co-insurance is a percentage of the bill. Your plan may include both.
Yes — even healthy people can face unexpected accidents or illnesses. Coverage gives you protection and peace of mind.
There’s no one-size-fits-all answer — but if you’re self-employed, we help you find plans that balance affordability with strong coverage, including options with lower monthly premiums, tax benefits, and access to quality care. Robert will guide you through private plans, marketplace options, or short-term coverage based on your situation.
Every plan has a provider network — but not every doctor is in it. Before you enroll, Robert will check your preferred doctors, hospitals, and specialists to make sure they’re covered under your chosen plan, helping you avoid surprise out-of-network bills.
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Quick Contact
Head Office
- 215-690-5006
- 646-331-4213
- students.med.insurance@gmail.com