What should employees look for in their company’s health insurance plan?

Host: What should they look for?

Bob Hurley: When you are looking for a health insurance for yourself and your family you always, you need to assess what your needs are? What do you need to have covered? Are you somebody that utilizes care a lot? Do you have children that utilize care a lot? Do have spouse that utilizes care a lot? You need to evaluate that and then you never want to buy more health insurance than you need. Many of us today are over insured, I know that's going to sound hard to believe, but the fact is many of us are over insured because our employers are providing us health insurance coverage and we have more coverage than most of us even know about.

So when you go out shopping you don't want to do the same thing. You want to go out and buy covers that you need for yourself and your family that covers those needs at the most reasonable rate possible. You want to create; you want to buy a product that offers you and your family value. So if you not only need health insurance coverage but you also need dental you want to take that under consideration. You are going to buying a health insurance plan or you are going to be buying a Dental Plan. Some people want to buy a Vision Plan so you may want to consider that as well. But again, only buy what you think you need. Don't buy anything more and don't buy anything less because if you buy anything less then you may not get the sleep at night that you need.