There are a few important things you will need to keep in mind when selecting your insurance. You will need to consider the following: your health needs, your medicines, your doctors, hospital choice, and your budget. First, you will need to make sure the insurance will help cover your medical needs and preventative needs for you and your family. If you have certain medical conditions or need certain medical supplies, you will need to ensure the plan will help cover those. You will want to make sure the plan is in-network with your doctors, and your preferred hospital is under that plan as well. This is very important that you know your providers will fall under your coverage and you can continue your care with them. You will need to make sure your preferred pharmacy can file the insurance, and your medicines are covered and are affordable. Most importantly you will need to consider your budget and what you can afford. You will want to make sure you can prepare and familiarize your out-of-pocket expenses; your premiums, deductibles, copays, cost of medicines covered (if any out of pocket that it is within your budget), and ensure it is affordable. It is important to evaluate your current and future financial responsibilities. You will need to think, do you prefer higher monthly premiums for lower costs out of pocket or lower premiums for higher out-of-pocket expenses and what would work best for you. You do not want to pick an insurance that has you stretched with paying more than you can afford.
Here at Thompson Insurance, we help guide you with the decision process to ensure your needs are met and that you understand your insurance.
Puzzled? We Can Help! Thompson Insurance (843)369-5433.