At Vista Financial Group we specialize in educating and matching each client with the most compatible major medical plan suited to meet each person and families unique healthcare needs. We understand and convey to all our clients that the mentality of "one plan fits all" is not quite accurate in the individual insurance market.

First things first. Get onboard with a insurance carrier that is in good financial standing. A.M. Best is the recognized authority for rating insurance companies for solvency. The website to A.M. Best is www.ambest.com. At Vista Financial Group, we ONLY do business with A Rated companies so you can rest assured the company will have sufficient funds and still be in business if and when you need to put in a large claim.

Don't buy on price alone! Many consumers fall into the trap of thinking they have a major medical plan, but later find out they are on a discount medical plan, also known as a schedule of benefits plan. When does the consumer find out? When they have to put in a large claim of course. For a detailed explanation of how a schedule of benefits plan works, all us. We would be delighted to explain it to you.

You have options. Are your rates going up? Are you looking for better coverage? Well, as long as you are healthy enough to move to another carrier, meaning you have no pre-existing conditions which are declinable, it's in your best interest financially to move to a more current plan and switch carriers through the years in order to save premium dollars or increase coverage scope. You are not stuck having to remain on your current policy forever. You are not in a contract. You might be thinking, "Yeah, but my Doctors might not take a different insurance carrier." That is where we can assist you. We would not move you to a plan unless we first check and see if your doctors are in network. This is one of the many services we do for our clients. We are privy to all network information. The fact is that most major medical carriers operate through more than one network. That gives you more freedom to choose and insures that your Doctor is participating with a particular carrier. Call us today and we will make sure your new plan does not compromise your choice of Doctors.

Be on a plan with a high lifetime maximum. Most consumers are not aware of the dollar limit set in their insurance policy. Most plans these days cover you for $5,000,000 per person and we know of policies that have lifetime maximums of $25,000,000 per person. $2,000,000 policies were sufficient years ago, but as healthcare costs have skyrocketed, so has the need for an increase in your policy's lifetime maximum. Let's explain. If you have a $2,000,000 policy and you develop a chronic illness you very well may exhaust your policy's lifetime maximum. What this means to you is every dollar charged over the $2,000,000 mark is your responsibility. And, we have seen $3,000,000 cancer bills. If this scenario was your reality, you would owe $1,500,000 and be stuck without insurance for the rest of your life because you now have a major medical condition, which is declinable in States without a high risk pool. These days, insurance policies are available with higher lifetime maximums and you do not have to pay more for them. Premiums are predominately determined by your deductible setting.

Work with an agent (like us, give us a try) who offers multiple carriers and has a full understanding of the plans each carrier offers. Don't settle for an agent pushing one carrier. This limits your choices and the policy may not be the best option for you. The last thing you need is to get on a plan that does not suit your needs and then an unfortunate event occurs. Working with a licensed agent with multiple carriers and plans does not mean you pay more for your policy. Actually, the price is the same as going direct through the carrier. Agents are paid from the insurance carrier so we do not charge a fee for our services.