There are more than 900 insurance companies in America that offer health plans. With those numbers, it can be tricky to find one that is right for you. Just like any industry, there will be some agents who are not interested in your welfare as much as they are with their commission.

Before you even try to look for “insurance agents near me,” ask yourself the following questions:

  • How healthy are you?
  • Do you have a chronic condition that prevents you from leading a healthy lifestyle?
  • Are you taking maintenance medication?
  • How often do you visit a doctor in a year?
  • How much can you budget on your health insurance?
  • What are your preferences when it comes to health coverage?
  • Do you have company health insurance? How much does it cover?

Answering those questions will give you a reasonably good idea of the type of insurance that is right for you.

Ultimately, you may select one of the following:

Traditional plans — These are health insurance coverage that will take care of most expenses when you get hospitalized. It is crucial since the average American spends almost $4,000 for each day of hospital stay. The insurance company will shoulder the cost after deductibles and out-of-pocket payments. In most instances, you only pay 20% of the total expenses.

Disability Plans — Disability insurance will cover the cost in case you miss time off work due to an injury. It will also repay you if you have a long-term disability and could no longer gain employment.

High-deductible plans — They demand a lower premium, but you do need to pay higher deductibles. Talk to your insurance agent if this is the best plan for your situation.

Managed care — Health maintenance organizations and preferred provider organizations are among the entities included in this plan. You may pay a lower premium and, in some instances, it does not require a co-pay cost. However, you cannot choose your doctors since physicians only recognized it within the closed network.

Conversely, before you type “insurance agents near me,” on the Google search bar, prepare your questions first. In that way, you do not forget anything when it is time to talk to the agent:

How much is the premium, and who is entitled to get the benefits? What are the medical services included in your plan?

What type of plan is ideal for your situation? What can they recommend? Is the fee-for-service ideal when it comes to your budget, or should you consider a managed plan? What are the pros and cons of each service?

Which is better for you, a deductible or a co-pay? What are the advantages and disadvantages of each option?

Will your insurance cover the medical costs for your spouse or children? What if your children are already of age or if they move out of the house? What if they already have a job?

Can you use my insurance for regular medical check-ups? What about maintenance medication, do you get reimbursements?

What about if you have a pre-existing condition?

Do you need to call the doctor for an appointment, or you can walk in for a check-up?

What if you are on a trip overseas and you are in a medical emergency, can you use your insurance then?

These are some of the questions you ask your agent. Of course, it is best to do your due diligence and go online.

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By financen | February 27, 2019 - 6:00 pm - Posted in Dentist, Health

Due to our daily day to day activities, it can be a really difficult task to find a good dentist. This is simply because we are often busy trying to make ends meet. Anyway, it usually doesn’t matter how busy you are when it comes to matters that can have some effect on your health.

If you are going to need the services of a dentist, then you have no other option but find yourself a good one. Even though it might take you a considerable amount of time to find you a good dentist, it will be worth it in the long run.

For that reason, let us look at some tips you might consider using when looking for a dentist. If you are in the area, you can find out more about dentists near you like

  • Convenience

This doesn’t necessarily mean that the clinic must be near your house or apartment, it could close to your kid’s school or even the office. This can really help you schedule your appointments with a lot of ease.

Additionally, you should also make sure that you pick a dental doctor with consideration to your working hours too. It is good to have a doctor with a flexible time so that you avoid making it even much easier to schedule appointments.

It would also be a plus if the doctor can provide late working hours sometimes, maybe once a week or even during the weekend just to create enough time to attend to your needs.

  • Comprehensive care

It is advisable that you find a doctor who can provide the medical services for you and your family. It would be more advantageous if you could a find a doctor that can take care of all the treatments you need including both orthodontic and cosmetic treatments or just general dentistry.

  • Emergency

It would be a great thing if you find a dentist who can also take care of emergencies. Well, you can find some handling the emergency problems by themselves while others will refer you to some different facility where your problem will be taken care of.

It is always recommended that you find a doctor that you can always reach when you have emergencies even when it’s not during the working house.

So before getting into any agreement with the medical practitioner, ask to know what will happen to you in case you have an emergency.

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