Questions to ask before you choose your health insurance

Choosing your health insurance is one of the most important things you do every year. Having insurance you can afford, and that provides coverage is vital for your good health. At Boss Insurance Agency in Kingwood, TX, we are independent insurance agents, and we offer our customers more choices. 

Questions to ask

Is my doctor in the network?

If you have a doctor you prefer, whether it is your primary care doctor or a specialist, it is important for your health that you have access to them. With some health plans, you have no coverage for doctors outside of the network. This is true with HMO plans except in a dire emergency.

What is my deductible?

Before your insurance starts to pay for services, you have to meet your deductible. High-deductible plans are popular these days because of their affordability. It doesn’t make sense, however, to have such a high deductible that nothing is paid. If you only want coverage for a catastrophic illness, a high deductible works,  but it is best matched with an HSA (healthcare savings account). 

Can I use a doctor outside the network?

Depending on what type of managed care you have, you may be able to get some coverage outside your network. With a PPO or a POS, you will get the best coverage by staying in your network, but you will be able to get some coverage outside the network.  

Does the policy include prescriptions?

Prescription coverage is not included with every health insurance policy. If you don’t take any prescription medication, this may not be an issue for you. If you do take medication, it is important to have this coverage and to know in advance how much of a copay you will need to pay every month. 

We Can Help!

Contact Boss Insurance Agency in Kingwood, TX when you are ready to discuss your health insurance needs.