Health insurance is rarely static throughout your life. Young adults often struggle to recognize how their medical needs will evolve as they age. The Washwick Agency in Bethlehem, NH, is dedicated to educating young adults about the importance of healthcare. Their team provides personalized assistance to help young adults select health insurance coverage that adapts to life’s changes.

Evaluate Your Health Condition

Before choosing a health insurance plan, it’s essential to assess your current health status. Schedule a physical exam to determine whether you are healthy, have a pre-existing condition, or are in the early stages of a chronic illness. The latter two scenarios may require ongoing medical care, which should be factored into your insurance decision.

Understanding Your Insurance Options

Navigating the insurance marketplace can be overwhelming for young adults. Many in this age group may feel that health insurance is not a priority. However, it’s crucial to research all available provider networks before selecting a plan to ensure you make an informed decision.

Choose a Provider Network

Before committing to a health insurance plan, verify whether your physician is part of the provider network you’re considering. Additionally, confirm that your preferred hospital and other medical facilities are included in the network.

Two popular provider network options are Health Maintenance Organizations (HMOs) and Preferred Provider Organizations (PPOs). HMOs require you to use doctors within the network and obtain a referral from your primary care physician to see specialists outside the network. PPOs, on the other hand, offer more flexibility in choosing a primary care physician and accessing specialists.

Health insurance can be a challenging decision for young adults: How much coverage is enough? If you have questions, contact The Washwick Agency in Bethlehem, NH. Our knowledgeable staff can help create a policy tailored to your insurance needs. Call us today to schedule an appointment.

Keeping yourself healthy is every adult’s responsibility, and one of the components of healthcare is an annual wellness visit to your doctor. During the year, you may also need to visit the doctor if you’re hurt or not feeling well. If you live near Bethlehem, NH, and you have questions about health insurance, our team at The Washwick Agency is ready to discuss your available options. We’ve been providing insurance services to clients in your area since 1979.

Are You Considering a Short-Term Health Insurance Policy?

Our team understands that purchasing an insurance policy may be a financial concern. Some of our clients find that short-term, limited-duration health plans may be right for them. According to Consumers Advocate, although these policies don’t offer comprehensive coverage, they can be an affordable solution for clients who are looking for the right health insurance policy. These policies don’t typically cover pre-existing conditions and often don’t meet the minimum requirements for ACA coverage requirements.

According to Consumers Advocate, short-term policies often impose annual dollar limits on your medical bills. When deciding whether a short-term policy is for you, list your priorities in a medical policy. For example, if you take many medications, you will need a policy that has medication coverage. Although cost is always a consideration, a dental policy will also be necessary if you have children.

Call Us Today for an Appointment

Our agents at The Washwick Agency have the experience and knowledge to discuss all your available health insurance options. If you have questions about mental health, pharmacy, eyeglasses, or dental insurance, you’ll get them answered here. Clients in the Bethlehem, NH, area can feel confident when trusting our team with their insurance needs. Call us for an appointment today, and let’s talk about insurance.