Health insurance is vital to your well-being. The policy you choose will be your coverage for a year, and making sure you make the right choice is critical. Knowing the right questions to ask can make all the difference. In Chandler, AZ, our San Marcos Insurance Group agents are here to answer your healthcare questions.
Is my doctor in the network?
Every carrier has a network of providers that they have contracted with. The prices are agreed to so that you know what services will cost you before you get care. If you have a primary care physician or specialist you prefer to see, you will need to check the list of providers that can be used. Depending on the type of managed care you have, you may still be able to see your doctor, but you may have to pay more per visit.
What is the yearly deductible?
To be considered a high deductible policy, the year deductible must be at least $1400 for an individual or $2800 for a family. The higher the deductible, the more out-of-pocket you will need to pay, but in most cases, the lower the premium will be.
What type of managed care is the policy?
There are three basic types of managed care. HMO, POS, and PPO. An HMO is the most restrictive, and the PPO is the least restrictive. A PPO lets you choose an HMO or PPO for each service you receive.
What is the monthly premium?
In practical terms, the premium has to be considered, but it is not the first thing to consider when choosing the right health insurance coverage.
Contact San Marcos Insurance Group in Chandler, AZ when you are ready to discuss your health insurance coverage. Give our office a call today.