The folks at Luft Insurance Agency provide a number of different health care insurance policy options for the Escanaba, MI community. Determining which policy, and at what level, is appropriate for your needs can often feel like a daunting task! Let us help you wade through the different types of policies and help you make the task less stressful!

Health care insurance policy options

The main factors that differentiate one policy from the next include:

• Copay amount – this is the amount that you pay for each doctor’s office visit or hospital stay
• Deductible level – once you reach your annual deductible limit, your coverage benefits will begin
• Lifetime benefit – many policies have a cap on the amount of benefits paid out over the life of the policy or in a specified time period

There are advantages to each type of policy. It simply depends on your current level of health and budgetary considerations. For example, a healthy young person may choose a high-deductible policy because the lower monthly premium payment is more impactful at this phase of their life. Because of all of the variables involved in making your decision, it can be helpful to work with an experienced agent during the process.

We can help you understand your health care options

Contact the Luft Insurance Agency today if you are in the Escanaba, MI area and would like to find out more! Our team is here to help you take the guesswork out of choosing the health care policy that is an appropriate fit for your needs. Our agents are here to help, so call or stop by today.