COVID-19 – 4 Things You Should Know Before Buying Health Insurance

The COVID-19 outbreak has shown us the importance of many things in society. It’s demonstrated just how vital healthcare workers are and how valuable our daily lives can be. The global pandemic has additionally taught us how essential health insurance is. It ensures that you and your loved ones get the care you need when you need it, and also provides you with peace of mind even if you don’t have a need for care. 

At Shepard Walton King, our McAllen insurance agency knows that these confusing times call for certainty. It’s the reason why we want to provide you with important information that can assist you during the process of finding health insurance. 


There are several factors when it comes to insurance plans, like premiums, deductibles, and the amount of coverage included in the policy. These factors are all dependent on several personal elements, like how much you’ll pay out-of-pocket per year or the specific condition you need coverage for. Knowing these will help you to be better equipped to find coverage. 

Your Network Matters

If you want to stick with your primary care provider, then find out if he/she is in your new insurance plan’s network. If you receive care from an out-of-network doctor, you may be paying significantly more for treatment. Also, some plans will only allow you to receive care at contracted hospitals. This means you’ll need to figure out if the hospital of your choice is contracted by your plan. 

Know the Cost

It’s important to evaluate insurance costs and check deductibles, premiums, co-pays, and co-insurance levels. A large part of plans additionally shows you a policy’s out-of-pocket costs. This will give you an idea of how much you’ll pay in deductibles and co-insurance before your plan covers entire expenses. 

Find the Policy You Need Today!

Health insurance can be confusing, and with terms like “deductibles” and “co-pays,” it makes sense to have someone help you. Our McAllen insurance agents recognize that there are too many factors to consider when it comes to insurance. For help finding an insurance policy, contact our insurance agency in McAllen today. 

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