When you’re looking for a health insurance policy in Rochester, MN, you have options. One of your top focuses should be on finding affordable coverage, but not to the point where you don’t have the needed protection.

You want to look at coverage in terms of your preventative care, sick care, and prescriptions. For example, if you have a pre-existing condition the insurance companies cannot deny you coverage. However, it may require a lot of prescriptions to keep the coverage under control and that is when you want to make sure prescriptions are going to be affordable.

If you cannot get under a group plan or a group plan is too expensive, you have the ability to go the individual route, and this can be arranged for families as well.

The best way to find a policy is to work with one of our independent insurance agents. The benefit to working with us is that we work with many of the top health insurance companies who are licensed in the state of Minnesota. We can tell you what they each offer and obtain quotes so you can focus on the overall affordability of a policy.

There are HMOs, PPOs, and health savings accounts to explore. Even within a single company, there could be various coverage levels. You will want to look at the overall cost for health insurance, not just the premium. This means looking at co-pays and deductibles to determine what your total out of pocket expense for healthcare is over the course of a year.

You don’t have to make any decisions on your own. We have educated agents to help you every step of the way. We can answer questions you have and obtain quotes to be able to make informed decisions about your healthcare coverage.

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