68: Health Insurance for the Freelance Writer with Experts Ruddy and Jim

Today’s episode features James Puszert and Ruddy Hernandez from the US Health Advisors Group. They tackle why freelance writers need health insurance and the essential details they should know to apply for it.

First, let’s know more about our guests, James is a licensed agent in Ohio, serving many clients and he’s pretty familiar with the options in this state and throughout the country. He has been in this industry for 3 years and enjoys the customer service part of this career; forming tight relationships with his clients. And Rudy who is originally from New Jersey moved to Buffalo and was trained by James. He’s licensed in Ohio as well, a veteran, and a published writer too!

Freelance Writer Health Insurance

Healthcare coverage and insurance, in general, are so confusing for a lot of us. More so when people like nurses or anybody start to tread on the self-employed world without coverage or basic knowledge, then all you hear is how hard it is to get coverage for yourself. 

So, I took some of your questions about Freelance Health Writer insurance and asked the experts:

• What are the options freelancers have? (lowest cost yet highest quality plan)

In the state of Ohio, there are a couple of different options like Traditional style plans, Preferred plans, and Work plans. And even with limited options, you’ll definitely find a plan that suits your needs. 

• What are some sources to stay up to date for health insurance?

It’s better to keep new fluctuations of guidelines or life insurance policy guidelines to be up with changes year to year. 

• Basic explanations of HMO and PPO. 

Health Maintenance Organization – This means is you are restricted where you can go to that specific network.

Preferred Provider Organization – Most plans only insure you to your state of residency, but in this policy, you’re welcome to choose any doctor or hospital in any state and still get covered. 

• Am I required to sign up for Medicare at 65 even if I have another source of insurance?

There are different parts of Medicare: Supplements A and B. And yes, you can purchase extra supplements to keep down out-of-pocket expenses for medications.

• Deductibles and What it means in a Healthcare Plan

Basically, a deductible is an established amount selected where you pay for health care out of pocket before your health insurance kicks in and starts covering the costs. Most health insurance plans constitute a cost-sharing plan between you and the insurer; you pay a portion of the costs, and your insurer pays a portion of the cost. How those costs are determined depends on different aspects of your plan.

“Understand how much you’ll need to spend out of pocket before your insurance starts to cover medical expenses.”

• What rates should I expect to pay?

Health insurance rates are established by the age of the individual, with the largest increases after age 55. This reflects the higher expected share of health care costs that an older person is expected to utilize. 

Connect with our guests for more information about USHealth Advisors:

Email: Ruddy.hernandez@USHAdvisors.com

www.USHAgent.com/RuddyHernandez

James.Puszert@USHAdvisors.com

www.USHAgent.com/JamesPuszert

Now that you’ve armed yourself with this information, are you ready to start on your journey to getting health insurance?