Determine Your Needs - Facts To Consider Now - Why Design A Plan 

What Do You Really Need?

The Catastrophic Event

First and foremost, everyone absolutely needs to be covered for a big catastrophe.  With constant escalating costs associated with medical care, especially critical care, you would be negligent not to evaluate the following two criteria while assessing your personal needs.

Policy Maximums

All true insurance plans have policy maximums.  The plan maximum refers to the most an insurance plan will pay in total, no matter what the circumstances are.  Some plans have individual lifetime maximums, some have family lifetime maximums, and some have annual maximums for either the family or per individual.

In the present state of escalating health care costs, you should be looking for a plan that has the highest maximums that you can find.  It is our strong recommendation that you cover your family with at least $5,000,000.00 per person.  Five million dollars per person is pretty much top of the line, and will go a long way towards ensuring that you and your family are protected now and for years to come.  RTB Insurance has plan designs that give you the coverage that you need for the catastrophic event.

Maximum Out-Of-Pocket/Stop Loss

The "Maximum Out-Of-Pocket" refers to the most that you will pay in deductibles and co-insurance in any given year, no matter how large your medical bills are (up to plan maximums, of course).  Your plan should have the "Maximum Out-Of-Pocket" and "Co-insurance Stop Loss" stated clearly and understandably in writing.  With RTB Insurance plan designs your "Maximum Out-Of-Pocket" and "Co-insurance Stop Loss" will not only be clearly stated, but you will have a say in what the amount of it is, too.

What Point Are You At In Your Life?

Every individual and family has different needs.  Some people have a house full of children and others do not have children.  Some people travel quite a bit and others stay close to home.  There are an infinite number of situations, and you need to evaluate yours if you are to make a decision that is right for you.  You should also consider your lifestyle while shopping for health plans.

Please also consider your personal medical history, as well as, that of your family, including any hereditary issues.  Please ask yourself the following questions:

• What am I hoping to achieve with my health plan?
• How do I plan to use my coverage?
• How long do I need this plan?
• How much of my medical expenses am I willing to cover myself?
• Are there conditions in my family history that I NEED to be covered for?

These are but a few of the areas that will be discussed during your plan design.

Where Do You Spend Your Time?

If you are like most of us, the answer is at work.  We do design plans that cover you on the job.  However, the question goes deeper then that.

• Do you travel?
• Do you spend periods of the year in another part of the country?
• Are you spending time in outdoor activities or sports?

Again, these are just some of the things that you should be considering and areas that will be discussed during your plan design.

What Can You Afford?

Well, this question had to be asked sometime!  Designing a plan that you can not afford will not do anyone any good.  On the other hand, hiding behind the fear of a large monthly payment is not the answer either.

At RTB Insurance, we carry a variety of options to get you the most coverage for your budget.  Additionally, our plan design includes "Field Underwriting" so we can consider your pre-existing conditions, if acceptable, into the quote.  This process will give you an accurate picture of what your desired coverage will actually cost.  We will let you know upfront if you may not qualify for the plan you are considering, and we will suggest other options, if necessary.