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Millions of Americans are carefully considering their comprehensive health insurance options as Open Enrollment is occurring around the country. Whether you are enrolling through your employer, or a state or federal Affordable Care Act marketplace, you will have the opportunity to choose options that are right for you and your family.
You’ve probably noticed that many comprehensive health insurance co-pays, deductibles, and co-insurance out-of-pocket expenses are rising. Insurance companies and employers are increasingly asking their policyholders to pay for more of their healthcare expenses, taking a bigger dent out of your budget. In 2020, employees are predicted to spend an average of $4500 on their healthcare expenses, including out of pocket expenses.1 In 2018, employees with a family of 4 spent an average of $15,159 on premiums alone.1
As you take a look at your options, make sure to carefully consider how supplemental insurance fits into your insurance portfolio, and how it may help offset that dent in your budget.Some types of supplemental insurance can work by complementing your major medical coverage. When an accident or illness happens, supplemental insurance may help cover uncovered or unreimbursed medical expenses including:
Common types of supplemental insurance are:
During this period of Open Enrollment, take the time to understand any changes you may have in co-pays, deductibles, coinsurance amounts, and out-of-pocket limits. With a clear understanding of your expected costs, you can determine whether or not supplemental insurance is right for you.Find out more about Combined Insurances supplemental insurance products by visiting our products page on Youtube.
1-darla_mercado. (2019, September 26). Your health insurance costs are about to go up in 2020. Retrieved from https://www.cnbc.com/2019/09/26/your-health-insurance-costs-are-about-to-go-up-in-2020.html.
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Combined Insurance Company of America (Chicago, IL Illinois) is a leading provider of individual supplemental accident, disability, health, and life insurance products and a Chubb company. With a tradition of nearly 100 years of success, we have an A+ rating by the Better Business Bureau and are one of Ward’s Top 50® Performing Life-Health Insurance Companies. Combined Insurance is also the number one Military Friendly® Employer in the over $1B revenue category for 2019 by VIQTORY. This is the company’s eighth consecutive year on the top 10 list and fifth consecutive year in the top 5—Combined Insurance was previously named the number one Military Friendly® Employer in the nation for 2015 and 2016. In New York, products are underwritten by Combined Life Insurance Company of New York (Latham, NY).
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