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A. L. Saland Insurance Solutions, Inc Blog

Questions you should ask before you choose a health insurance policy

Talking about stress, choosing your health insurance plan is one of the most stressful things you do every year. It is such an important decision that it cannot be taken lightly. You will have to live with that decision for a year, be it good or bad. Before you make a decision,  there are some questions that you need to ask. At A. L. Saland Insurance Solutions Inc in Florida, we are independent insurance agents and are dedicated to personalizing the experience of all of our customers. We work to make sure your insurance provides what you need it to at a price you can live with. 

How much does the insurance cost per month?

While price is only one factor and isn’t even the most important one, it has to be considered. No matter how good of a fit a policy is, if you can’t afford to pay for it, it won’t do you much good. 

What is the deductible?

These days, high deductible policies are all the rage, but if your deductible is so high you never get any coverage, the plan won’t be much of a benefit. 

Is my doctor in-network?

Every plan has a network of providers. Not every doctor is in every network, and if you have a doctor you prefer to use, they must be in the network. Especially if they are your primary care physician,  they will have a lot of input into your healthcare. 

Does the policy have drug coverage?

If you take prescription drugs, you need to know that your health insurance provides prescription coverage. The drugs are listed in a formulary in tiers. Each tier has a copay, and some also have a deductible. Not every drug is included, and in some cases, you will be required to use a generic rather than the brand name. 

Contact A. L. Saland Insurance Solutions Inc in Florida when you are ready to use our assistance in choosing your health insurance.

 

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