Healthcare Access: How Can We Help?

healthcare

What is Healthcare Disparity?

According to AHRQ (Agency for Healthcare Research and Quality) Healthcare disparities are differences in access to or availability of medical facilities and services and variation in rates of disease occurrence and disabilities between population groups defined by socioeconomic characteristics such as age, ethnicity, economic resources, or gender and populations identified geographically.

What are some issues around Healthcare Access?

Accessing healthcare in the united states could be faced with multiple different hurdles or obstacles. These barriers to accessing health care vary between populations, geographic locations, and societal classes. 

One of the largest barriers to accessing healthcare is not having health insurance coverage, or have a health insurance plan with a small network of providers. Thus it is imperative to not only have an  insurance plan, but to also make sure that the plan accepts the insured’s providers as in network.

According to U.S Department of Health and Human Services, about 1 in 10 people in the United States don’t have health insurance. People without insurance are less likely to have a primary care provider, and they may not be able to afford the health care services and medications they need. Strategies to increase insurance coverage rates are critical for making sure more people get important health care services, like preventive care and treatment for chronic illnesses. 

Other healthcare access issues, include poverty, illiteracy, language barriers, lack of knowledge or negligence of self care.

How Can Smart Insurance Agents Help?

Most Health insurance agents go through licensing exams and continuing education courses to maintain an acceptable level of healthcare understanding and keep up with the continuous changes. Our agents, Smart Insurance Agents, not only follow all the required training protocols by the Department of Insurance and insurance carriers, but also participate in workshops that further enrich solutions to health insurance barriers. Our health insurance agents work with our clients on problem solving rather basis rather than selling an insurance plan. We make sure our clients understand their rights, benefits, eligibility, and available options. In addition, we work with our clients on identifying a health care network of providers that is accepted by their plan to avoid the high out of network fees. 

We listen, we educate, we explain, and we advise. We are not just insurance agents. We are subject matter experts. We are educated about our industry, we understand the needs, hence we are capable to craft a unique solution to each client. 

In 2020-2021 during the unprecedented times with the COVID-19 pandemic, our health insurance agents worked remotely from home helping more clients than ever finding a health insurance plan that protected them and their families. When the American Rescue Plan was put into law, more individuals and families were eligible for subsidies or savings than ever. Our health insurance agents worked tirelessly to reach as many client as possible to make sure each and everyone of them received the savings they were eligible for. 

How to Choose a Health Insurance Plan with Good Healthcare Access?

Choosing the best health insurance plan requires 3 important criteria to be met:

  1. Network: It is important to choose a plan that accepts your providers and the hospitals you go to. Most plans may not pay for medical claims billed by out of network providers. In rare cases, the insurance plan may pay for a medical claim billed by a provider out of network but will cost the insured a lot of money due to higher deductible and higher out of pocket.
  2. Cost: Evidently the cost of the health plan (premiums per month) is important, nonetheless, the copays and coinsurance of the plan you pick are as important as well. If you use the health insurance plan for multiple doctors visits a month or anticipating some healthcare services like: Surgery, or other procedures, then you need to choose a health insurance plan with a lower deductible or lower copays. 
  3. Access to Providers and Drug Coverage: Always, always, always make sure to go over the plan in network healthcare systems and drug coverage if applicable. Since most health insurance plans on the marketplace are HMO (Health Maintenance Plan) then a referral may be required before seeing a specialist. Make sure all your specialists and/or the hospital systems are accepted by the plan’s network. If you take any prescription medication, particularly specialty medications that are usually very expensive, make sure that the plan covers the drug.
Based on 19 reviews.
Cassandra Heitman
Cassandra Heitman
March 14, 2022.
Verified
It's a pleasure to work with Tarek El Ali! He helped me successfully get medical coverage for my small business. He made the process very easy and he responds to all concerns promptly. Thank you, Tarek.
arron draper
arron draper
January 8, 2022.
Verified
I worked with Tarek to find a suitable Medicare plan for my husband. We got it handled in one phone call. I was so impressed! Now I am becoming eligible for Medicare and worked with Tarek again. He was amazing! We found an affordable plan that meets all of my needs. I highly recommend him and will use his services again in the future.
Erika Vevang
Erika Vevang
January 5, 2022.
Verified
I was previously working with someone through my franchise company to set up insurance for my employees. Low and behold after weeks of working with her she was not able to complete my process and was not very responsive when I asked her questions. She referred me to Tarek to finish up and he immediately contacted me and got my plan completed within the day! He was super nice and made sure my account was set up and ready to go before we missed our deadline. Highly recommended!
Kyle Lanza
Kyle Lanza
January 4, 2022.
Verified
Healthcare.gov can be a little confusing so I called them up for help figuring everything out when I turned 26. Tarek is excellent at what he does. He had everything figured out for me in less than 15 minutes on the phone with him. I was so impressed that he will continue to be my go to guy for anything heath insurance related. I can not recommend him enough.
Jeffrey Walker
Jeffrey Walker
December 30, 2021.
Verified
This is our 2nd time working with Tarek to find the right health insurance policy for my small business. In both cases the knowledge of the changing insurance landscape in Illinois has helped us greatly.
Craig Baglien
Craig Baglien
December 19, 2021.
Verified
Smart Insurance Agents especially Tarek were extremely helpful in selecting and also answering follow questions on the offering I selected.
Peter Ward
Peter Ward
December 15, 2021.
Verified
Tarek has help me multiple times with finding appropriate insurance options. He listens to specific needs and helps find fitting plans. The process is smooth and quick but also informative. He is very professional and responsive.
JeongHun Paik
JeongHun Paik
December 14, 2021.
Verified
Very professional and trustworthy! As all the other reviewers posted, Tarek did an awesome job! Thank you!
Paulina Pietras
Paulina Pietras
December 11, 2021.
Verified
Jessica Wheeler
Jessica Wheeler
December 11, 2021.
Verified
Tarek El Ali was amazing! He is so helpful and I finally have an insurance plan that I truly believe is right for me! Thank you!! Highly recommended!
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