Your choice of health insurance is one of the most important decisions you make every year. It doesn’t matter whether your employer supplies it or you have to find it on your own; it affects your health care for the next year. Before you make this essential decision, some questions need to be answered to make sure you will be as happy with your decision at the end of the year as you are at the beginning. At Wellspring Insurance Network Inc. in Frederick, MD, we provide the helping hand you need to make the perfect health insurance decision.
What will the insurance cost?
While there are lots of questions you will want to ask, one thing you need to know right off is whether or not you can afford the policy. Being able to compare policies side by side to see what you are getting for the price you are paying is important. It doesn’t make sense to even consider health insurance you can’t afford.
Can I keep my doctors?
Not every doctor is in every network. If you have a doctor or several doctors you have a relationship with, it is important to only consider health insurance policies that will allow you to keep them.
How much will my prescriptions cost?
The first thing to do is make sure is your medication is covered by any policy you are considering. Then you need to check what tier they are in. Different tiers have different copays and some have deductibles as well.
What is the annual deductible?
Almost every policy has an annual deductible. The amount you need to pay yourself before your policy goes into effect. High deductible policies are more affordable but they may only work for you if you have an FSA or HSA.
Contact Wellspring Insurance Network Inc. in Frederick, MD for all your insurance needs.