HEALTH
INSURANCE

HEALTH CARE IS TRICKY — WE'RE HERE TO HELP

Finding the best health insurance plan for you and your family starts with our TRICOR Cycle of Care. Our first step is discovering what’s most important to you. For some, it’s choosing which doctors to see and determining out-of-pocket expenses. Others want to weigh their options regarding high-deductible plans and the types of medication covered under those plans. If you’re unsure, we’re here to ask the right questions and help you get a plan for what matters most to you.

 

Contact an Agent

CHOOSING THE RIGHT PLAN

Through our discovery phase, we’ll recommend identifying “dealbreakers” — they’re not same for everyone. We’ll offer dealbreaker options we typically see in our local area that are foundational to choosing the right plan. We’re here to help you with recommendations, and local advice.

 

TRICOR can help find the right health insurance coverage, contact us today.

 

MITIGATE YOUR EXPENSES

Once we’ve identified your “dealbreakers,” we’ll have a better view of your foundational choices and we'll start helping you understand how you can mitigate your expenses. We know that for many, health insurance is an especially important decision because it’s a large portion of a family’s budget and we'll help you get the best value.

MAKE TRICOR YOUR CHOICE

How does purchasing from a TRICOR licensed agent compare with using the Federal Marketplace Exchange?

 

ISSUE

TRICOR LICENSED AGENT

FEDERAL MARKETPLACE EXCHANGE

Costs you more money to use?

No

No

Helps you understand plans on the federal marketplace exchange?

Yes

Yes

Helps you know the plans in your area outside of the federal marketplace exchange?

Yes

No

Can be your advocate if you have a problem with the insurance carrier?

Yes

No

FAQs

 

This can get complicated based on the plan you choose, but here are a few typical things to think about (this is not intended as an all-inclusive list):

  • Deductible: This is the amount you must pay for health-insurance-related costs prior to your health insurance kicking in.
  • Co-pay (co-payment): A fixed dollar amount within the health plan you pay up front, for a covered service.
  • Co-insurance: An agreed upon percentage allowed for charges on covered services. For example, you may be responsible for 10%, while your health insurance carrier is responsible for 90%. This typically applies after you have met your deductible.
  • Out-of-pocket maximum: There is a lot of variation in plans for this one in particular. Once you have reached your agreed upon maximum out-of-pocket expense with your health insurance carrier, your health insurance carrier will typically pay 100% of covered services. Remember, this does not include your monthly premium.

Each individual health insurance carrier has contracts with doctors, hospitals, laboratories, pharmacies, etc.; this is called their “network”. Remember the deal breakers we discussed above? This is typically the most important deal breaker we hear from our clients. It’s not uncommon for doctors to enter and leave health insurance networks. It’s best to ask your doctors’ office which network and provider options they carry.

Open enrollment typically starts in the fall and goes through mid-December. But if you have a qualifying event such as marriage, had a baby (or adopted), change in residence (move from one zip code to another), etc., you may be eligible for a special enrollment period. A special enrollment period is open for 60 days after the qualifying event.

CONTACT A LOCAL AGENT TO GET STARTED

FIND A LOCAL AGENT


28 LOCATIONS AND GROWING

A PARTNER WHO'S THERE WHEN YOU NEED THEM

Find an agent who can help you plan

From protecting your family to protecting your home, we’re devoted to helping our hard-working neighbors protect their biggest achievements.

MANAGE YOUR POLICY FROM YOUR PHONE

Download the TRICOR APP today!
  • MANAGE YOUR VEHICLES
  • PRINT INSURANCE CARDS
  • CHANGE PERSONAL INFO & MORE
  • Download our app at the Google Play StoreDownload our app at the Apple Store
Download the TRICOR APP today!
Agriculture Agriculture General Business Construction Education Transportation Transportation2 Public Entity Manufacturing Non-profit Beer and Wine Health Care Health Care Newspaper Home Life Insurance Health Insurance Auto Insurance Umbrella Insurance Careers Form Contact Contact TRICOR Login Asset 3 Safety Consulting Risk Management Mission Driven Service Driven Pursuit of Excellence Collaborative Approach 401(k) Voluntary Benefits Asset 1 Paid Time Off Proactive Communication Community Minded Local Experts Recreational Vehicle Renters Insurance Condo Insurance Medicare Supplement Moving to a new location Remodeling or adding on to your store or warehouse Attending a tradeshow Having a special event Asset 1 Workers Compensation Small Chevron Med Chevron Large Chevron Small Diamond Medium Diamond Large Diamond Down Triangle Down Triangle Chevron Sliver Small Chevron Sliver Med Chevron Sliver Large Left Triangle 3 to 1 Right Triangle 3 to 1