It’s the same every year, and you need to decide on your healthcare coverage for the coming year. You may have had a bad experience in the past year with the coverage you chose. Trying to make the right decision this year is so stressful. Having an independent insurance agent who you know is on your side can make your decision-making process easier. At AS Insurance Agency in Manchester, NH, you can count on us to be there for you to help make this important decision.
What will the monthly premium be?
Cost is not the only thing to consider when choosing a health insurance policy, but affordability has to be considered. You could find the perfect policy, but if it is more expensive than you can afford, it won’t do you any good.
Can I keep my doctor?
Doctors and patients often have a relationship. Having a doctor who knows you and who you trust is vital for your good health. Not every doctor is in every network, and some policies only cover visits to doctors in their network.
What is the plan deductible?
Before your insurance begins to cover services, most have a deductible. This can be anywhere from $100 to many thousands. Until this deductible is met, you are responsible for paying for medical services.
What are the co-pays?
Almost every service you get from a medical provider has a co-pay. The co-pay is the amount you must pay for a specific service. It goes into effect after you have met your deductible.
What is the maximum yearly out-of-pocket yearly limit?
The government has mandated that the maximum can be $8200 per individual and $16,400 per family. Many policies have lower limits than the mandated amount.
Contact AS Insurance Agency in Manchester, NH with your health insurance questions and any insurance needs.
