Choosing insurance is a complex matter. Working with an independent agent is a great option. However, it is important that you understand what your options are so you can pick the right insurance for you and your family. After all, your health insurance is one of the most important investments you may make.
One of the best ways to do this is to look at your needs and your cost requirements. Before you make any decision regarding your health insurance, ask yourself the following questions:
- What is the overall cost of care?
- What is my monthly premium?
- Should I insure most medical expenses or just major ones?
- What are my deductibles?
- What percent of expenses are reimbursed after deductible?
- What is the cost to use a doctor outside the network?
- Does the insurance cover services most likely needed?
- Are the medical providers that I use in the insurance company’s network?
- Does the plan allow me to use an out-of-network doctor?
- How do I change primary-care physicians?
- Do I need permission to see a specialist?
- What are the procedures for reimbursement for emergency care?
- Does the plan cover any preexisting conditions?
- What does the plan offer for chronic conditions?
- Are prescription medications covered by the plan?
- Does the plan reimburse for alternative therapies?
- Are maternity and delivery costs covered?
Let Wissink help you take the anxiety and confusion out of the equation when trying to select the best healthcare option for you or your family. No matter what your health insurance needs may be, contact ISU-Wissink Insurance, Servicing all of Los Angeles and Orange Counties, California– Call us today at 310-390-3318.
California License Number 652703.