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4 Tips to Follow When Buying Health Insurance
Many people dread the difficulties usually attributed to buying health insurance, and rightly so. With so many factors to consider, such as your overall health, the amount of time before retirement and the recent health reform law, choosing the right health insurance plan is no easy task. At Shepard Walton King, we want to eliminate this overwhelming feeling of confusion. Follow our tips and ease your way into the process of health insurance shopping while making the choice that best fits your needs.
Check Your Priorities
Insurance plan factors such as premiums, deductibles and coverage vary depending on several issues. If you know certain factors, such as how much you can afford to pay out of your own pocket per year, or a specific condition that must be covered, then you are much more likely to easily find the plan you need.
Consider Your Network
If you have a regular doctor, you may want to find out if he/she is considered in-network in your new insurance plan. Receiving medical assistance from an out-of-network doctor may be significantly more expensive. Many plans require you to find medical help at contracted hospitals. Make sure to know which hospitals qualify in your plan.
Evaluate Your Costs
When considering the cost of an insurance plan, check deductibles, premiums, co-pays and co-insurance levels. A majority of plans will additionally show you their out-of-pocket cost, which will tell you how much you’d have to pay in deductibles and co-insurance before your plan begins to cover entire expenses.
Hire a Broker
If you are feeling overwhelmed and confused about the inner workings of health insurance, consider getting professional help from an insurance broker. The truth is, when there are so many factors to take into consideration, making the best choice may be easier with the help of an insurance team.
At Shepard Walton King, we’ll make things easier for you by taking a look at every determining factor in your life to ensure your protection with a plan that best fits your needs. For more information about our services, contact us in Austin today.