Choosing your health insurance every year is stressful due to the importance of the decision. Whatever policy you choose, you will be living with it for a year, and if it is a bad choice, that could be a very long time. At Reinas Insurance Agency Inc. in Pasadena, CA, we are independent insurance agents who work for our clients to ensure that they have the knowledge they require to make an educated decision.
Is my doctor in the network?
Every carrier has a network of healthcare providers that they have contracted with to provide services for their customers. If you have a doctor, specialist, dentist, or clinic that you prefer to use, it is vital that you check with the carrier to make sure your preferred doctor is in their network. Depending on your managed care type, you may still be able to see them even if they are outside the network, but the pricing may be higher.
What is the yearly deductible?
The yearly deductible is the amount you need to pay out of pocket before your health insurance kicks in. The higher the deductible, the better price you get on the policy. The downside is you may have to pay a lot of money to get coverage.
What type of managed care is it?
An HMO (Health Maintenance Organization) is the most restrictive managed care type. A PPO (Preferred Provider Organization) is the least restricted, and with this type of managed care, you still get some coverage when you are outside the network. A POS (Point of Service) combines HMO and PPO, allowing more flexibility.
If you are looking for health insurance or have questions about health insurance in Pasadena, CA, Reinas Insurance Agency Inc. can provide the assistance you need.
