Best Health Insurance Agencies in Worcester

Frequently Asked Questions

• Introduction

  If you're looking for health insurance for yourself or your family, an agent can help you save time, understand your options, and manage your costs. Insurance agents must be licensed in the state where they operate. They can provide information about on- and off-exchange plans to help you weigh all of your options, and they can see if you qualify for tax credits that can lower your monthly premiums. There's no cost to work with an agent, and they can help you save quite a bit by recommending the best plan for your needs. Here's what you should know before you get started.
  

• Does health insurance in Worcester cover all the costs of medical treatment?

  Health insurance in Worcester does not cover all the costs of medical treatment. The insured still has to generally pay coinsurance, deductibles, and co-pays to cover part of the out-of-pocket fees. The insurer's job is to serve as a buffer, bringing medical costs down.

• Are employers in Worcester required to have health insurance for employees?

  Employers in Worcester are generally required to have health insurance coverage for employees. In 2006, a state law was passed requiring companies with ten or more employees to acquire coverage for their workers, while the same is optional for businesses with nine or fewer laborers.

• Besides the legal requirements in Worcester, why else should employers acquire group health insurance plans?

  An employer may benefit from getting group health insurance plans because this helps raise morale. Employees would know that if they get sick, they could afford the treatment required through a combination of health insurance and possibly workers' compensation payouts. Additionally, offering group health insurance can make the employer more competitive in attracting and retaining top talent in the Worcester job market.

• Do health insurance plans in Worcester cover mental health issues?

  Most health insurance companies in Worcester and the state will cover mental health conditions to some extent, specifically biologically based illnesses. These policies cover treatments such as medication and therapy. On a per-case basis, more serious treatments, such as hospitalization, may be included in a plan.

• Why may a mental health sufferer in Worcester opt to pay out of pocket instead of using insurance?

  A mental health sufferer in Worcester may pay out of pocket instead of using insurance because the former offers more flexibility when choosing providers. Insurers will often dictate which healthcare provider networks one may choose from when getting treatment, and these could exclude the mental health professionals one is accustomed to seeing.

• How can you find affordable health insurance? 

  Affordable insurance is available through employers, Medicare, Medicaid, and the federal Health Insurance Marketplace, which offers subsidies in the form of tax credits. You can also purchase coverage through private insurance companies and independent agents. Nearly half of all Americans have employer-sponsored health insurance, and about 10% of the population is uninsured.