Health Insurance Made Simple.
The goal of good health is a long and productive life. We help you get there by finding the health insurance that’s right for you.
Getting Insurance is a Challenge
Health insurance plays an important role in giving you access to health care. The type of health insurance you carry is incredibly important in being able to seek the care that you want and need to lead a long and productive life.
For example, when you call to make a doctor’s appointment, the first question they ask is, “What kind of health insurance do you have?” They’d love to see you, but they also want to make sure they are paid fairly for the services they provide.
Unfortunately, health insurance is expensive, and is becoming more and more expensive as each year passes. For many people, the monthly cost of health insurance can—and does—exceed the cost of housing.
When it Comes to Health Insurance, Knowledge is Power.
“Knowledge is power,” or so the old saying goes. That’s never more true than when it comes to choosing the right health insurance option. We look at your needs and help you work through all the questions so you know exactly how to the make the best decisions.
What About My Dependents?
When signing up for health insurance through your employer, it is extremely important that you know all the options so you can choose the best plan for yourself or your family. For example, did you know that adding your dependents might not be the best way to go, and that there might be a more reasonable, cost-effective option? What if both spouses work? How should the coverage be carried?
What If I’m Single?
Non-married individuals with no dependants also need to know what their options are when getting health insurance through their job. Should you purchase through the exchange, or buy it independently through the company? There are pros and cons to each that you should know about. Should you consider a plan that includes a Health Savings Account (HSA)? How should your age, general health, and income level impact your decision?
What If I’m Looking at Retirement?
If you want to retire and are not yet 65, what should you do about health insurance until you reach Medicare eligibility? What is the ideal time to retire? What is the timing and process for signing up for Medicare and what will it cover?
You Can Enjoy a Healthy Life, and We Can Help.
Health insurance can be an incredible challenge—but it doesn’t have to be. At Susan Polk Insurance, we’ve been helping individuals and families in San Luis Obispo make important insurance decisions since 1988. We would be honored to help you as well.