The world of health insurance can seem confusing and overwhelming. This is why it is good to have knowledgeable insurance experts on your side. At The Select Insurance Agency, serving Coppell, TX and surrounding areas, we aim to provide our clients and future clients with the insurance information they need to make confident choices. Keep reading to learn about health insurance myths.
Myth- The Most Affordable Plan Has The Lowest Premium
When you start shopping for insurance, you will immediately see that different plans will have different monthly premiums. You may be tempted to think that the plan with the lowest premium is the most affordable. This is not always the case, though. A lower premium can sometimes mean a larger amount of out-of-pocket expenses to meet a deductible. If you or your family members suffer from any kind of chronic health problems, this may not prove to be the most affordable option over time.
Myth- Health Insurance Is For Medical Treatment Only
Although most of the services you will receive through your insurance plan will be medical treatments for physical issues, today most insurance plans also offer mental health services as well. When shopping for insurance, be sure to look into the mental health benefits your plan offers as well.
Myth- Pick One Health Insurance Plan and Stick to It Every Year
Although it can be less complicated to simply keep repeating the same health insurance choices each year, if you want to make sure you are getting the best deal, and make sure you have access to the services you truly need, you will want to evaluate plans carefully each year at open enrollment to ensure you are picking the one that is right for you today.
If you would like to learn more about our insurance services, please contact us at The Select Insurance Agency serving Coppell, TX, and the surrounding areas.