The Catastrophic Event

First and foremost, everyone absolutely needs to be covered for the big hit. With ever - escalating costs associated with medical care, especially critical care, you should 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. Plans will offer (1) Individual lifetime maximums, (2) Family lifetime maximums and some have (3) Annual maximums for either the family or per individual.

In the present state of escalating healthcare costs, we suggest coverage of $2,000,000 to $5,000,000 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. Gold Health & Life has Health Insurance plan designs that give you the coverage that you need for the catastrophic event.

Maximum Out-Of-Pocket/Stop Loss

Refers to the most that you will pay in deductibles and coinsurance in any given year, no matter how large your medical bills are (up to plan maximums, of course). Your plan should have the "Max Out-Of-Pocket" and "Coinsurance Stop Loss" stated clearly and understandably in writing.
Gold Health & Life will assure this is clearly stated, you will have a say in what the amount of it is.

What Can You Afford?

Well, this question had to be asked sometime! Designing a plan that you can't 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 Gold Health & Life we carry a variety of options to get you the most coverage for your budget.
PPO Plans, Health Savings Account Plans enable you to visit your Dr or hospital of choice without referrals.