Questions to ask when choosing your health insurance

Choosing health insurance is not easy. So much depends on your making the right choice. Many different factors go into the decision and getting it wrong means you will have the wrong coverage for an entire year. Having an independent insurance agent who knows you, your needs and the options available is a big help and makes it a lot less stressful. At The Select Insurance Agency in Coppell, TX, we are dedicated to helping our customers make good insurance decisions and, since we work for you, making you happy is our goal. 

What is the plan deductible?

All plans have a deductible that must be met before coverage begins. High deductible plans have just that, a high deductible. If you are very healthy and likely won’t need much medical care this year, this is an affordable option. If you need to use your insurance frequently, it may be more expensive than a lower deductible plan. 

Is my doctor in-network?

All plans have networks of healthcare providers. Not every provider is in every network. Depending on the type of plan you have, you may have to use providers in-network to get any coverage. 

Are my prescriptions covered by the plan? 

If you are taking prescriptions, you need to check the formulary for any plan you are considering to find out if your medication is covered and what the co-pay is. 

Does the plan include dental, vision, and hearing services?

What exactly is the plan providing? If it is only medical coverage, do you have the option to add these additional types of coverage?

How much is the monthly premium?

While this may in reality be the most important question, it should not be the only reason for choosing a particular plan. 

When you are ready to make your health insurance choice, at The Select Insurance Agency in Coppell, TX,  we are ready to help.

Why should you get dental insurance in Texas?

People that live in the Coppell, TX area need to make sure they have the proper insurance in place to take care of themselves and their dependents. One form of insurance that people in this area should get is dental insurance. There are a few reasons why people should get a dental insurance plan.

Access to Affordable Routine Care

One of the reasons that you should get dental insurance is so you have access to affordable routine care. Caring for your teeth is very important. Those who do will have fewer long-term issues and can avoid significant decay and discomfort. A great way to ensure you avoid these challenges is by having your teeth cleaned a couple of times per year. When you have insurance, you can see a dentist for reduced rates, which can save you money and provide the care you need to keep your teeth in good shape.

Avoid Significant Costs

Another advantage of dental insurance is so you can avoid significant costs. If you ever need a dental or oral procedure, your costs can be significant. Fortunately, when you have dental insurance, you can reduce these expenses. You will often have annual maximums and other cost savings that will reduce the amount of money you need to spend out of pocket. 

If you are assessing your dental insurance needs in the Coppell, TX area, it would be a good idea to properly evaluate your needs and options. One company that can help you choose the best plan for your situation is The Select Insurance Agency. Those professionals with The Select Insurance Agency can help you properly assess all of your insurance needs. This will help you then build a plan that will provide you with ideal coverage for your situation.