Choosing a health insurance policy is one of the most important decisions you make. Your health literally depends on it. For some people the question foremost on their mind is "how much will this cost" and while the cost is important, so many other things are more important. It is not worth getting a low price policy that in the end will not offer you any coverage. Talking to a trusted independent agency like Insurance Over Texas in Houston, TX makes good sense when something so important is at stake.
What type of plan is this
Is the plan you are considering a PPO (Prefered Provider Organization) or an HMO (Health Maintenance Organization). With a PPO you get the best deal by getting your health care through their network of caregivers. You don’t need to have a primary care doctor who coordinates your healthcare, you can visit anyone in the network. With an HMO you have a primary care doctor and you need to be referred to a specialist from your primary care physician.
Are my doctors on the plan?
Most people have a doctor or doctors who they regularly visit and they trust them to provide medical care. You need to check the list of doctors who are in the plan to make sure you won’t lose your favorite.
Are my prescriptions covered?
Every plan has a formulary that lists the covered drugs and places them into tiers. The tiers determine the cost. First, you need to make sure your drugs are on the list and then what tier are they in.
At Insurance Over Texas in Houston, TX, our customer’s insurance needs are our primary concern. We are here to answer any questions you have about your health insurance. Give us a call or stop into our office for the personal care you deserve.