When getting health insurance, you’ll have a few company options, each offering different policies. Trying to navigate health insurance might seem overwhelming, but there are a few things to remember when choosing which health insurance policy is suitable for you.
Who is Covered?
When you first start looking at health insurance options, it’s crucial to determine who will cover everyone you want covered. For example, if you’re planning to carry dependents, your spouse, or everyone on this policy, you should start with the policies that offer this option.
Standard vs. Premium
Once you’ve narrowed your list to companies that will cover everyone, compare the standard plan to the premium plan option. The premium plan will have a higher monthly installment but will likely cover more visits and treatments. Depending on what kind of medical care you need, you will want to weigh the two and see the best option. The deductibles for the standard are likely to be higher, which means you’ll pay more out of pocket.
Network Coverage
Another thing to look at is the network coverage. If you go with a plan, you want to ensure that you have a provider in the area for this service when you need it. The plan needs to ensure you have access to healthcare and do not have to drive far away from your home to get the coverage you need.
Prescription Coverage
If you currently take medication regularly or think you will need to take medication, look over the policy and ensure there is prescription coverage available. Some policies will only cover a percentage of the cost, while others may cover only certain types of medication.
If you live in or around the Pasadena, CA, area and need health insurance, we’re here to help. Contact our agents at Reinas Insurance Agency Inc. today for more information and to get your personal quote.
