Health insurance makes staying healthy much easier. If you have a good health insurance policy, you won’t be afraid to go to the doctor and end up with a huge bill you can’t pay. At The Washwick Agency in Bethleham, NH, we take our responsibility to provide our customers with the advice they need seriously. We are an independent insurance agency, and we work for our customers.
Picking the right health insurance policy is important and difficult.
These are some questions to ask to ensure you get the coverage you need:
Is my doctor in the network?
If you have a doctor whose services you don’t want to lose, it is important that you make sure that they are in the network of the carrier you choose. Not every doctor is in every network.
What type of managed care is the policy?
Managed care comes in three basic types: HMO, PPO, and POS. HMO is the most restricted, it requires that you have a primary care physician, and you need to visit healthcare professionals within the network. PPO plans are less expensive for service when you choose within the network, but they will pay partially outside the network. POS is a combination of HMO and POS.
Does the policy include prescription coverage?
If you take prescription medication, it is important to know if it is covered by insurance and what the copay is. Every carrier has a formulary of drugs listed in tiers.
What is the yearly deductible?
The deductible is the amount you are required to pay out of pocket before the health insurance starts to pay for their part. A high deductible is less costly but requires more out-of-pocket.
Give Us A Call
Contact The Washwick Agency in Bethleham, NH when you are looking for health insurance advice. We will be glad to help.