Frequently Asked Questions
How do I use Vimo to choose a health insurance plan for myself or my family?
To help you select the best health insurance plan for you and your family, Vimo will need to collect some information from you:
- Whom you plan to cover: How many members of your family will be under the policy, what are their ages, their heights, weights, etc.
- Where you need the coverage: What zip code does your family live in?
- When you need coverage: What is your ideal coverage start date?
- What kind of plan you're searching for. Do you want an HMO or PPO plan? Do you want a plan that is compatible with Health Savings Accounts (HSAs)?
After you've inputted this information, we'll locate a number of suitable plans available in your immediate area and show you their estimated monthly premiums and deductibles
After you've isolated two plans that fit your desired premiums and deductibles, click the checkmark next to each plan and then "Compare" to see a side-by-side comparison of up to two plans, including details on each plan's out-of-pocket maximum, prescription drug policy, coinsurance limit, lifetime maximum and more. Select one and click "Apply" to receive personal service from a licensed health insurance broker who will help you purchase the insurance or look for another plan.
Our advice when approaching deductibles is to choose a price you can live with. Don't always go for the lowest deductible plan. You can save hundreds of dollars per month in premiums and even more in tax savings by opting for higher deductible plans that work with tax-advantaged health savings accounts (HSAs). When a health insurance plan sells you a plan with low deductibles and lower co-pays, they have no alternative but to charge high premiums.
Most consumers forget the primary purpose of insurance - which is to help you when you are faced with catastrophic illness. Make sure that you have an out-of-pocket maximum for the year that you can live with in a crunch.
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