Cheaper Health Insurance -Tracking claims payments

After paying the appointment co-pay and leaving the doctors office, most consumers forget about the visit and assume all is finished with the claim. At the gelker and Rohrer Insurance Agency we advise our small group insureds located in Orange County, California that registering at the carrier website they are covered by allows them to check the status of all claims they or their family members have incurred. Getting a notice of collections is not the way to learn about a problem with a claim. Our experience has taught us the most of the problems start with poor billing practices at their doctor's office. A good portion of out time at GandR Insurance is spent assisting clients with improperly billed claims. Please call us at our Costa Mesa, California office if we can be of assistance with a claim problem.

Health Insurance reform- Price-Access- quality

At the Gelker and Rohrer Insurance Agency we hold group insurance enrollment meetings for our Orange County small business owners. At the enrollment meetings employees make plan choices, complete enrollment forms and ask questions about the benefits. Every employee wants three things from their health plan: 1. Choice- Doctors and hospitals 2. Quality- Newest treatments-Best Drugs 3. Best (Cheapest) price. Our Agency informs employees that you can get two out of the three things they want, but not all. Quality and choice come at a premium. Less expensive plans reduce benefits and limit choice.

Smart Health Insurance Plans for Younger Consumers

For the 30 year olds, it might be a good time to adjust their thinking when buying health insurance. The conventional wisdom is to purchase the least expensive plan with the richest benefits. At the Gelker and Rohrer Insurance Agency
we advise our young clients to get quotes for High Deductible Health Savings Account (HSA) health plans. The premium savings from a HSA plan over the cost of a typical HMO plan can be put into a special tax- sheltered to pay for expenses below the high deductible. If you're like most of our younger clients, your medical bills are low and a HSA plan can be much more cost effective over a three to five year period when compared to conventional HMO plans. Please contact us for a health plan review to see how an HSA can benefit you.