Choosing the right health insurance policy is one of the most important decisions you make every year. Whatever you choose will provide your coverage for an entire year, and if you make a terrible choice, you need to live with it. A wrong choice can be almost as bad as not having any health insurance coverage. At THINK Insurance & Financial Services in Pomona, CA, we understand health insurance, and we will sit down so we can get to know you as well.
All health insurance carriers have a network of providers contracted to provide services at a predetermined price. Depending on the type of policy you choose, you may have to use services only within the network if you want your health insurance to cover the service. If you have providers you prefer, such as your primary care physician, you must look at the providers in the network to make sure your favorites are included. It is not just doctors either. It is hospitals, urgent care, and labs as well.
The deductible is the amount you must pay for covered services before the health insurance starts to cover those services. A high deductible policy will be more affordable, but you may never reach the deductible. It is something that needs to be considered carefully.
Once you have met your deductible, the co-pay is the amount you are required to pay for a service. It may be $20 for an office visit or 20% of the covered service. Read your policy details carefully. This is one area where there can be many different options, and not all of them are good options.
Contact THINK Insurance & Financial Services in Pomona, CA to discuss your health insurance needs.