Health insurance in Maryland
Buying healthcare insurance is stressful for most people. You are making a decision that will affect your life for the next year. If you make the wrong decision that is a long time to live with a mistake. Before you decide which healthcare plan is the best for you, there are some important questions that you need to ask. At Wellspring Insurance Network Inc.in Frederick, MD we are happy to help make sure that your healthcare insurance is a perfect fit.
Are my doctors on the plan?
If you have an established relationship with a doctor/doctors you want to make sure that they accept any health insurance that you are considering. You should also check if your preferred hospital, pharmacy, and walk-in are available to you.
Are the prescriptions I already take covered?
Making sure that any medication that you take is covered is very important. Not all drugs are covered by all plans and the tier and co-pay that goes along with your medication can vary greatly.
What is the plan deductible?
These days, high deductible plans are the most affordable and that makes them very appealing. However, if the deductible is so high that you will end up paying for all of your medical expenses for the year, it may not be the best option.
What is the premium?
At the end of the day, you have to be able to afford to pay the premium for the policy you are looking at. You need to carefully balance all the parts of the health insurance to see what makes the most sense for your needs.
At Wellspring Insurance Network Inc. we offer insurance from 45 different carriers. Not all of them carry health insurance but we do have a good selection. One of them is the perfect fit for you. Stop by our Frederick, MD office or give us a call, we have the answers that you need.