Choosing Health Insurance

Choosing Health Insurance

Choosing Health Insurance

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We know today choosing a health care plan can be scary. How much is it going to cost me? How much is my deductible? What is a deductible? Making an informed decision is the best way to get started. Before you start shopping, know all there is to know.

Here are some important things to consider when choosing health insurance:

Plan Packages:

There are usually many different care plan packages to choose from. The health plan package you choose determines how you and your plan share the costs of care. Make sure you know the details of each plan.


Your premium is the amount you pay for your insurance plan monthly. This may help you with budgeting your checkbook every month, but it is not the only thing you need to account for to budget.

Out-of-pocket costs:

When you arrive at your doctor visit you can still have some out of pocket costs. You pay these out-of-pocket costs in addition to your monthly premiums. Make sure you know how much these would be. Out-of-pocket maximums are typically between $1,000 for an individual and up to $11,000 for a family.  Once you reach the out-of-pocket maximum, insurance pays for 100 percent of your medical care (for covered services). As a rule of thumb, the higher your deductible, the lower your monthly premiums will be.


Coinsurance is shared costs between you and the health insurance plan. A typical plan has you pay 20 percent of costs and your plan pays 80 percent. These percentages can vary but are important to understand plan to plan. Some plans may not have coinsurance.


When you go in for your doctor visit, you may be asked for your insurance card, then your copayment. This is the payment you make each time you visit the doctor or fill a prescription medication. This typically can be $10, $15 or $25. It can vary as well but is always a fixed price, every visit. Not all plans have copayments. These typically do not accumulate toward the deductible.

Type of insurance plan and provider network:

A provider network is  network of doctors, hospitals, pharmacies, and other medical service providers. that accept you insurance.  If you have a particular doctor or hospital you want to continue going to, make sure the plan you pick is accepted by them.

Ready to talk to us about finding the perfect plan?

Now that you know what to look for you can preview plans and prices with us. We want our clients to be as informed as us. If you want to leave the details to Kluemper Insurance, we will make sure you get the best deal for you and your family. Besides, we see our clients as our family.

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Kluemper Insurance Agency
1355 4th Ave
Huntington, WV 25701
(304) 525-7821

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