Whatever side of the healthcare debate you are one, one reality we can all agree with is that even a single unexpected moderate injury or illness can result in exorbitant medical bills. This is due to a combination of factors, but seems to be built into a system where the end-cost to users of medications and procedures is many, many times their actual cost. Without insurance, accessing even basic healthcare can be challenging, at best, and impossible at worst.
However, buying health insurance can be a very difficult decision. While healthcare costs have continued to increase, it is equally true that healthcare premiums have risen dramatically in the last two decades. Many people who want to have health insurance find the monthly payments impossible to budget. Other times, people purchase what they believe is a health insurance policy that will meet their needs, only to find that between coverage exclusions, co-pays deductibles, and out-of-pocket expenses, their health insurance is not really a benefit.
How do you navigate the modern world of health insurance? Carefully. Making a misstep can mean that either do not have the coverage you need, or that you are paying for coverage that you are unlikely to ever use.
At DIRUS Inc., we firmly believe that the best approach to modern health insurance is an informed approach. Our agents listen to your needs, asking the important questions to find out what type of policies and benefits are the most likely to fit your needs and your budget. Then, we help you find several different policies, highlight their differences, and helping you compare them, so that you can make the best decision.