How Do I Know If Something is Considered To Be a Pre-Existing Condition?

One of the questions that we at AS Insurance Agency, serving the greater Manchester, NH region, are often asked in regard to medical insurance is how I know if something is considered to be a pre-existing condition. This is important to know, as some insurance companies will deny care for a pre-existing condition.

What Is Considered a Pre-Existing Condition?

Pre-existing conditions typically refer to health conditions that existed before the start of the insurance policy. The policy may define a specific look-back period, which is the duration during which the insurer will review your medical history to identify pre-existing conditions. Common look-back periods are typically around six months to a year.

What to Know About Look-Back Periods

Most health insurance companies have look-back periods of six to 12 months in regard to pre-existing conditions. This means that you usually need to go six- to 12 months without having been treated, taken medication for, or used medical devices for a medical condition in order for it to not be considered a pre-existing condition. 

What If I Am Unsure If Something Is a Pre-Existing Condition?

If you have specific health concerns or medical conditions, it’s advisable to consult directly with the insurance provider. They can provide guidance on how their policy defines and handles pre-existing conditions and offer clarity on any coverage limitations or waiting periods that may apply.

Give Us A Call

Selecting the right medical insurance policy for your needs can be challenging, especially if you have questions about the policy or terminology. If you are looking to purchase a new health insurance policy in the greater Manchester, NH area, let the insurance agents at AS Insurance Agency help you find your next policy.

How to Choose the Right Health Insurance Coverage For Your Employees

Like most business owners, you want to ensure your employees have the best health insurance coverage. But with so many options, it’s tough to know where to start. Consult with AS Insurance Agency in Manchester, NH for expert insurance advice.

Here are a few things to keep in mind as you shop for health insurance for your employees:

1. Know Your Employees’ Needs

Before shopping for health insurance, it’s essential to take a step back and consider your employees’ needs. What kind of coverage do they need? What are their budget constraints? Answering these questions will help you find your employees’ right health insurance plan. Create a confidential survey or ask your employees directly to get a sense of their needs.

2. Shop Around

There’s no one-size-fits-all regarding health insurance, so shopping around and comparing different plans is essential. Consider both the premium and the deductible when comparing plans. This process is timely, so start early.

If you don’t have the time or patience to contact different providers, work with an independent insurance company. AS Insurance Agency can help you find the best health insurance for your employees without all the hassle. An independent insurance company works with multiple providers, giving you more options.

3. Review Your Plan Regularly

Health insurance plans and needs can change over time, so reviewing your coverage every year is essential. This can ensure your employees are still getting the best coverage. Laws and situations can change, so you must be proactive about keeping up with your health insurance plan.

4. Check Your Options

Did you know that some health insurance providers offer discounts to businesses? If you’re not sure, it doesn’t hurt to ask. Many times, all you need to do is meet certain criteria, such as having a certain number of employees.

Give Us A Call

If you have questions about choosing the right health insurance for your employees, contact AS Insurance Agency in Manchester, NH today. We’re here to help!

How to Make Sure Your New Hampshire Health Insurance Has Your Prescription Drug Coverage

It is estimated that over two-thirds of Americans require prescription medication. The pharmaceutical industry is a multi-billion dollar industry. This is why it is important for every New Hampshire resident to make sure that prescription drug coverage is included in their New Hampshire health insurance plan.

At AS Insurance Agency, we want Manchester, NH residents to have the prescription drug coverage they need. When you are purchasing health insurance, it can be difficult to understand how to get the right coverage. Learn more about how to get the prescription drug coverage you need.

Health Insurance for Chronic Conditions

There are a number of chronic conditions that New Hampshire residents need prescription drug coverage for. You may not have those conditions now, but could at any time. Be proactive on this.

When you are looking for health insurance, look for the plans that cover chronic conditions such as diabetes, arthritis, back pain, and more. Rising costs on medications for these conditions and others could become a crisis in the family very easily. Review every health insurance formulary thoroughly before you make a decision.

How Prescription Drugs are Paid For 

When you are looking for health insurance, you want to know how much your prescription drug coverage will cost, and how much your prescriptions will cost. This is what the formulary is for.

Here you will find out what you will have to pay for when it comes to existing medication. You will then be able to plan your budget accordingly.

Questions you want to ask when purchasing health insurance involve pharmacies, and health plan approval. You need to know if you need approval from the plan before you get a prescription filled. You also want to know if you can use any pharmacy you want, and which ones you can use if you can’t.

Get a Quote

Getting the right New Hampshire health insurance doesn’t have to be a headache. At AS Insurance Agency, we can help Manchester, NH residents get the prescription drug coverage they need. Call us today for a quote.

Questions to ask before choosing your health insurance?

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.