The Right Plan and the Right Coverage: Deborah Inskipt Provides Expert Help for Choosing the Best Health Insurance for You

By Nancy Kennedy

Selecting a health insurance plan is one of the most important decisions a person makes every year. This decision has enormous implications, impacting one’s quality of medical care, health care costs and access to care. The right choice can deliver peace of mind and unexpected benefits. And yet, many people make this critical choice based on the wrong criteria, the wrong advice and the wrong information.

Getting the health insurance decision exactly right for her clients is the mission of Deborah Inskipt, a licensed insurance agent who serves clients throughout Western Pennsylvania. “Getting it right means finding a plan that best meets your individual medical needs and fits your personal budget,” Inskipt says. “This major decision should be made with full consideration of all the options.”

With decades of experience in human resources and health insurance, Inskipt has a wealth of knowledge of the insurance industry. With her exceptional expertise, she can capably steer her clients through the maze of health insurance options, including Medicare options. “It’s very important to go to an agent. If you are watching television and you see an ad for a health insurance plan, it will probably provide a phone number. But if you make that call, you are going to speak only to an agent for that insurance company. You will only learn about their plan, and it may not be the right one for you. I feel bad when people rush into something in this way, without exploring all the possibilities.”

Inskipt is not associated with one health insurance company, but with many of the local carriers. “I’m knowledgeable about all the plans, the entire range of options plus the newest offerings. Some people believe that they can do this themselves but it’s tough to do the research by yourself. It can be overwhelming. I’ve already done it and I know what all the possibilities are. I explore them with you, and consider your specific individual needs based on the information you provide. I can compare various plans for you, showing you the prices and plan details. I’ll make recommendations for the right plan for your needs.”

Inskipt explains that the most important factor in choosing health insurance is your prescriptions – not your physician. “What drives your health insurance plan is the prescriptions. You take your prescriptions every day; you don’t see your doctor every day. Always select a plan that covers your prescriptions. This should be the priority.”

Inskipt’s services are customized, private and professional and there is no fee. She meets with clients at her office location in Robinson, or via a telephone or Zoom appointment. She will make a home visit if necessary. The appointment generally takes an hour or two, and consists of a review of all of your needs for healthcare coverage. Inskipt also can make recommendations for life, long term care, disability and small business insurance.

For Deborah Inskipt, her unwavering commitment is to always make certain that her client is protected. The right plan and the right coverage provide that protection. “Unanticipated things happen in life. You have to be prepared, because none of us knows what our lives are going to bring. It’s important to work with an agent because I can help you determine the best coverage for you for your current needs, and also for future unexpected needs. Using an agent relieves much of the stress associated with health care coverage. Many of my clients are people who are about to retire; they are going into Medicare. I meet with them, get to know their needs and get them all set up so that they are ready to go when they turn 65. It brings them peace of mind.”

There is immense satisfaction, Inskipt says, in steering people to improved health care coverage that enhances the quality of their lives. “I help people all day long. I find plans for them that get them much better coverage and reduced costs. The solution to finding the best care is to have the right plan and the right coverage.”

For an appointment with Deborah Inskipt, call 412-694-2424 or 724-777-4152, or send email to dinskipt@healthmarkets.com