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.

This entry was posted on Monday, November 18th, 2019 at 4:55 pm and is filed under Health, Health Insurance, Insurance. You can follow any responses to this entry through the RSS 2.0 feed. Both comments and pings are currently closed.

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