Choosing between Health Plans is not as easy as it once was. Although there is no “one ‘best’ plan”, there are some programs that will be better than others for you And your family’s health needs. Health Plans differ in how much you have to pay, how much the insurance will pay, and how easy it is to obtain the services you need.

Although no plan will pay for all the costs associated with your medical, in 2006 even more so, some plans will cover more than others.

With any health plan you will pay a basic premium, usually monthly, to buy the health insurance coverage you need. In addition, there are other costs you will incur. These payments will vary by plan but essentially are “deductible” (like on your car insurance or homeowners insurance) and “co-payments”.

F. Darrell Lindsey, the State Licensed Agent/Producer, in cooperation with, The Combined Industry Purchasing Group, has prepared a list of key questions to consider when selecting the plan that best meets your needs:

· How much will it cost me on a monthly basis?

· Are there deductibles I must pay before the insurance begins to help cover my costs? (usually the best priced programs have deductibles and/or co-pays).

· What doctors, hospitals, and other medical providers are part of the plan? Are there enough of the kinds of doctors I want to see?

· Where will I go for care? Are these places near where I work or live?

· If I use doctors outside a plans network, how much more will I pay to get care?

· Are there any limits to how much I must pay in case of major illness? What about limits and deductibles for certain types of care such as surgery?

F. Darrell Lindsey, the State Licensed Agent/Producer, in cooperation with, The Combined Industry Purchasing Group Association provides Health Insurance Coverage on a Group Basis to small business owners and their employees. The Combined Industry Purchasing Group Association Group program provides nationwide personal service coordinated by F. Darrell Lindsey the State Licensed Agent/Producer and Health Program Administrator. F. Darrell Lindsey has over 46 years of experience and knowledge to help you meet the health insurance needs now and as your company grows.

F. Darrell Lindsey

State Licensed Agent/Broker