Questions to ask when choosing health insurance

Every year it is the same thing, the stress that comes with having to choose the right health insurance. Much depends on making the correct choice. How you are able to access healthcare for an entire year is dependent on the choice you make. It can all seem like too much. That is where your local independent insurance agents come in. At Strack Insurance Services in Arlington, TX, we have 28 years of experience and we work for our customers to make sure they get the insurance they need. 

Before you choose your health insurance there are some questions you should ask. 

What type of plan is it?

PPOs and HMOs operate a little differently. With an HMO you can only go to a provider who is in the network of the carrier. With a PPO you can go to a doctor outside of the network but you will likely pay more for that privilege. Do I need to get a referral to visit a specialist? 

Is my doctor on the plan?

If you have a doctor or more than one doctor who you trust continuing with them is essential. 

How much is the plan going to cost?

The monthly premium is important but what other costs are there for service? How high is the deductible, the amount you need to pay before services are covered? How much is the co-pay when you visit your doctor or a specialist? What does it cost for an urgent care visit? 

What additional services are included?

Does the plan cover things like dental, vision, and hearing? What about a prescription? If it does have prescription coverage are my prescriptions on the plan and what will they cost every month? 

If you live in Arlington, TX, or the area, Strack Insurance Services has agents who understand health insurance. Contact us to get the help you need choosing your plan.