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.
When you need to make sure that your loved ones are taken care of after you’re gone, it’s time to get life insurance. You may have no policy at all and need to have one in place, or you may already have a policy and want another one. In either case, it’s a responsible choice to have a life insurance policy.
When you need a policy, give us a call at The Washwick Agency in Bethlehem, NH to learn more.
Two Main Types of Life Insurance
A term life policy is one of the main types of life insurance. It is a popular insurance product because it tends to be far more affordable than the other main type. The low price makes it highly attractive to those who have a strict budget and need to stay within it. Term life insurance does have a drawback, however. It is only good for a specific term. That means that the policy is written to be in effect for a specific number of years. During those years, you’re covered. After they have passed, the policy is no longer good, and you have to apply for another policy to stay covered.
Whole life insurance works very differently from term life. It doesn’t have a term of time that it’s good for. It can stay in place for as many years as you want it. In fact, if you continue to pay for the policy, the company can’t cancel it. This type of insurance also accrues a cash value. Policyholders can then borrow this amount if it is needed. Many customers love this aspect of these policies.
Get Your Life Insurance
If you need more life insurance, we’re here to help. Call us at The Washwick Agency in Bethlehem, NH to get started with a policy of your own.
Our team of insurance experts at The Washwick Agency has been serving the Bethlehem, NH area residents with all their insurance needs, including auto insurance coverage. We are often asked for safety tips to maximize protection while driving. As a new driver, it can be difficult to find the right balance between caution and confidence on the road. There are many things that you can do to improve your driving skills and stay safe on the roads.
Here are some tips for staying safe as a new driver:
1. Always wear your seatbelt
This is one of the most important safety rules for new drivers, as wearing a seatbelt is an essential way to protect yourself in case of an accident. Make sure that everyone traveling with you is also wearing their seatbelt at all times when you are driving.
2. Plan ahead
One of the best ways to avoid dangerous situations while driving is to plan ahead and leave plenty of space between your vehicle and other cars. This can help to reduce your risk of being in a collision, and also gives you more time to react if something unexpected happens on the road.
3. Be aware
As a new driver, it is important always to be aware of what is going on around you while you are behind the wheel. Make sure that you are keeping an eye out for other drivers and pedestrians at all times, and always use caution when approaching intersections or making turns.
4. Learn from others
If you have friends or family members who have more experience driving than you do, take advantage of this by asking them for advice and tips on improving your driving skills. This can be a great way to pick up useful information that will help keep you and your passengers safe.
Get Auto Insurance Today
For more safe driving tips, give us at The Washwick Agency a call today. Make sure to add or update your auto insurance policy to get the best coverage for your needs. We proudly serve the Bethlehem, NH area.