Are you getting the most out of your health insurance policy? That Expert Show host Anna Canzano interviewed Gladys Boutwell of Insurance by Design this week. Boutwell discussed things you might not know about saving money, planning ahead, and ensuring you have the right coverage.
The veteran insurance broker says many people aren’t aware of the value-added benefits that come with their health insurance coverage, like health coaching or discounts on gym memberships.
She also told Canzano that when choosing a plan and a high or low deductible, you should assess your specific needs. Are you pregnant or planning to have a baby in the next few years? Do you have high treatment needs? On dialysis? If you answer yes to any of these questions, it may be better to opt for a lower deductible.
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She suggested that if you’re generally very healthy and only go to the doctor once or twice a year, a high-deductible diet might work better for you.
The Canzano guest star also discussed at length the benefit of Health Savings Accounts (HSAs), which can help reduce taxable income, especially since you can often have set amounts deducted from your check. pays and deposited into an HSA for use on all kinds of medical care. pocket expenses.
Boutwell is an insurance broker in Oregon, Washington and California. It serves companies with fewer than fifty employees who wish to attract and retain quality personnel. She is one of Amazon’s best-selling authors with the book Health Insurance Secrets Revealed. And she has a book coming out on 101 benefits for every budget.
That Expert Show is a weekly interview show hosted by Canzano in partnership with The Oregonian/OregonLive. It uses public comment and streams live Mondays at 7 p.m. PT via Facebook. It is also available on TwitterYouTube and podcast (Apple or Google Podcasts) and on Instagram.