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.