Are You Required to Have Health Insurance?

Health insurance is designed to help you manage your medical needs and promote well-being. Everyone should have a health insurance policy in place to help prevent risks and losses. Anyone in the Oshkosh, NE area interested in learning more about health insurance policies should contact Western Trail Insurance. We can help you get answers to your questions and provide support with policy selection.

Health Insurance Coverage 

Health insurance coverage is essential and is recommended for everyone to help them manage their health and well-being. Individuals must have health insurance coverage for the year unless they are exempt due to outline circumstances. You must secure health insurance with an exemption to avoid being fined each tax year.

To avoid being penalized, you should secure high-quality health insurance coverage from a reliable insurance provider. Our team of experts can help you determine which health insurance policy works best for your needs and enables you to manage any pre-existing conditions. Those individuals who are healthy and only need basic coverage can also find the right policy for their needs with the help of our agents.

We aim to help you find a health insurance policy that meets your needs. We work closely with each customer to determine their specific needs and learn more about their situation so that we can match them with the best policy options. In addition to selecting a policy, we will assist with changes or submission of claims.

Reach Out Today 

If you would like to learn more about the health insurance policy options we offer, please call or stop by the office of Western Trail Insurance. We are proud to offer reliable insurance products to the residents in the Oshkosh, NE area. Let us help you get coverage that provides peace of mind.

Tips to get healthy in 2023

As we look forward to 2023, now is the perfect time to start thinking about our health and well-being. With the New Year, comes a desire for us to be at our best and make sure that our bodies are in optimal shape. This is true for us here at the Western Trail Insurance Agency, people across the Oshkosh, NE area, and people everywhere.

Here are some tips to help you get healthy in 2023:

1. Set realistic goals – it’s important to set realistic goals that you can actually achieve, so don’t be too hard on yourself! Setting small achievable goals will help keep you motivated throughout the year 2023 and beyond. 

2. Start exercising – whether it’s going for a walk once a week or joining a gym, getting regular physical exercise is essential for good health. Exercise can help reduce stress and improve overall mental wellbeing as well as physical health. 

3. Eat healthy – eating healthy food is key for good health and energy levels, so try to include lots of fruits, vegetables and lean proteins into your diet. Avoiding processed food will also benefit your body in the long run! 

4. Prioritize sleep – getting adequate amounts of sleep each night is important for both physical and mental health. Aim for 7-8 hours per night and avoid late nights if possible! 

Get Health Insurance Today

With these simple tips, you’ll be on track to having a healthier lifestyle in 2023! For more tips on how to get healthy, lose weight,or just improve your overall lifestyle, please call us at Western Trail Insurance today. We proudly serve the Oshkosh, NE area.

Terms You Need to Know When Shopping for Health Insurance

It can be difficult to figure out what is going on when shopping for health insurance. There are so many different terms that you need to know, in order to make sure that you have a plan that you can afford. Western Trail Insurance in Oshkosh, NE offers this guide in navigating health insurance. 

Here are some of the terms that you need to know:


The deductible is going to be the amount of money that you have to pay before your insurance kicks in. This can be as little as five hundred dollars, though it can be several thousand dollars. 


This is the amount of money that you pay monthly in order to have health insurance. 


You may be required to pay a copay when you go to the doctor or emergency room. 

Out-of-pocket maximum

Your health insurance has a maximum amount of money that you will have to pay out of pocket. After you hit that amount, they will pay one hundred percent of your bills.  

Health savings account

You can save money in a health savings account to be used toward your medical bills. This money comes out of your paycheck before taxes, allowing you to have a bigger deductible and more affordable health insurance. 


Give Us A Call

It can be really hard to determine the right health insurance plan. Everyone has different deductibles and premiums. You will be required to pay a certain copay when you go to the doctor. You may also have the opportunity to start a health savings plan. 

If you want to make sure that you are fully protected, you should contact us today at Western Trail Insurance in Oshkosh, NE.

Questions you should ask when choosing health insurance

Your health insurance is vital to your healthcare. If you are not covered for things you need, you may not get them done, or you may avoid visiting the doctor even when it is in your best interest to do that. You need to be able to afford your medication. Your choice makes all the difference. At Western Trail Insurance in Oshkosh, NE, we are dedicated to providing our customers with the best products at the most affordable prices. 

Is my doctor in the network?

When you have a doctor with whom you have developed a relationship, you want to remain with them. Not every doctor is in every network so making sure they are in the one you choose is important for your continued health care. 

What is my deductible?

The deductible is the amount that you need to pay out of pocket before your health services start to be paid for by your insurance. The higher the deductible, the more affordable the policy but the more you need to pay. 

What kind of prescription coverage do I have?

If you take prescription medication, you need to know that your medication is covered, and you also need to know how much it will cost you a month. 

Are dental and vision included?

Vision and dental are important parts of your overall healthcare, and you need to know if they are included or if you will need to purchase additional policies.  

Can I use a provider outside the network? 

Depending on the type of managed care you choose you may or may not get any coverage for services outside the network. If you like choices, this is an important issue 

Contact Western Trail Insurance in Oshkosh, NE when you are in the market for health insurance.