Choosing health insurance can be intimidating. Finding a policy that is affordable and provides the coverage that you need is not for the faint of heart. It helps to do some research before you begin so that you can understand the terminology. If you live in or near Santa Monica, CA Express Financial & Insurance Services can come to the rescue with some friendly health insurance advice.
In the meantime, these tips will get you started as you navigate the complicated world of health insurance.
If you want to keep your current doctor or doctors be sure to check the provider network of any plan or plans that look interesting to you. If you are in doubt, talk to your doctor’s office, they will know exactly which insurance plans they accept. You should also check which local hospitals are included if you have a preference.
Before your insurance starts to cover you, you have to pay a certain amount of money out of pocket, this is a deductible. High deductible plans are more affordable but can result in you paying not only your premiums but all your medical expenses since you have not met the deductible.
For covered expenses, the insurance may cover a percentage for example 80% and then you pay 20% or there may be a set amount that you pay for that service, such as an office visit.
These are just a few of the terms that you need to understand before you can make an informed decision about what health insurance is right for you. In addition to all these terms, the premiums must be affordable. If you live in or near Santa Monica, CA, Express Financial & Insurance Services will be happy to talk to you about the right health insurance for you and your family.