Correcting Underinsurance: How to Add a Personal Health Policy to Your Workplace-Provided Coverage

At Don Allred Insurance, we want you to understand your options, so your insurance works entirely for you. In a previous blog, we explained what underinsurance means; in this blog, we’ll address the process to correct it.

Unless you work for yourself, your employer provides health insurance for you. Self-employed individuals choose their insurance, so you pick your level of coverage. However, those who work for companies owned by another individual get the insurance that their employer chose for their group health plan.

Most North Carolina employers pick decent coverage, but you might want better coverage or have a pre-existing condition that it doesn’t cover. You can and should obtain personal health coverage to supplement your employer’s coverage. You’re allowed to do that.

You can choose the coverage you want, and Don Allred Insurance can help you. To select your coverage, phone us or email us. We’ll ask you a few questions about your health and current coverage. This lets us determine what you need to fill in the blanks left by your other insurance.

While your employer pays the premiums for your workplace policy, you will handle the premiums for your supplemental policy. These vary depending on the type of coverage and the policy benefits. Some policies include dental and vision coverage, while others only cover medical health needs. You can choose a plan that provides precisely what you need.

Contact Don Allred Insurance today to purchase supplemental personal health insurance. Although you probably already have some medical coverage, we can help you fill in the blanks left by that policy.