Monthly Archives: September 2019

Does Health Insurance Cover Prescriptions?

Health insurance does a great deal to make sure you are healthy and that you are able to pay for medical expenses. Health insurance pays a part of most medical procedures and even pays in full for a range of visits as well. It is important that you know what your health insurance coverage is. For those in the Lakewood, CO area, the agents with Colling Insurance Services Inc. can help you find the best insurance coverage possible.

Health insurance covers a huge range of things, including prescriptions in some cases. Though your insurance might not cover your prescriptions fully, there is a huge range of policies that do help reduce the cost of your prescriptions. In most cases, insurance will cover a portion of your prescription cost and it may pay fully for some prescriptions. It is always helpful to take the time to speak with an agent to find out what your policy covers, and what you might need to change about your coverage. You can get some insurance plans that are specifically made to help cover more on prescriptions and to help make prescriptions even more affordable.

Health insurance is vital and you do have to be covered under law but it also does help to make taking your medications a bit more affordable. Insurance can make a big difference in how easy it is for you to afford your medications and to start to get better or healthier. Insurance can make a big difference in the cost of your medical treatment and knowing what your coverage is going to do for you. For those that live in the Lakewood, CO area, the agents with Colling Insurance Services Inc. can help you to get the best prescription coverage for your needs.


Dental Insurance FAQ

Everyone wants to have a beautiful smile with bright teeth, and the best way to get and maintain that smile is to visit your Lakewood, CO dentist regularly. Before you go, you may have some questions about your Colling Insurance Services, Inc. Dental insurance policy. Here are the three most common questions about dental insurance. 

Is a dental discount plan the same as a dental insurance plan? No. A dental discount plan is like a membership club where you pay a fee and receive a discount. The plan does not reimburse your Lakewood, CO dentist. A dental insurance plan is an actual insurance – after meeting any deductibles and co-pays, the insurance company reimburses the dentist for their costs. 

Are routine checkups and cleanings covered by dental insurance? Yes. Most dental insurance plans cover routine exams, cleanings, X-rays, and any other preventive dental care you will need in order to keep your teeth and gums healthy. Some may cover everything without going out-of-pocket, but others may require a copay for the services. One of the main perks of having dental insurance is that by getting regular checkups and cleanings you can reduce the risk of having more serious problems later.  

Does dental insurance cover more serious dental needs? Yes. Most dental insurance policies cover fillings, extractions, and root canals if needed. Which services are or aren’t covered as well as how much your insurance policy will pay can vary a lot from plan to plan. In order to ensure your dental needs are covered, check the fine print in your policy before you purchase a dental insurance plan. 

Not sure which dental insurance plan is right for you? Call Colling Insurance Services, Inc. today for help getting the perfect policy for your unique needs.