While you might faithfully be exercising, getting adequate sleep, and taking healthy meals, diseases can still wreak havoc on our health. And if it’s not a disease, injuries can strike, leading to hospitalization. Because you can’t prevent illnesses and injuries 100 percent, you need health insurance to protect you when the unthinkable happens.
When you get health insurance from Colling Insurance Services Inc. of Lakewood CO, your medical costs are taken care of. You also prevent future illnesses by accessing preventive and routine healthcare, like vaccinations and periodic checkups. Now that you know the importance of health insurance, here are three facts you need to know before going ahead to purchase one.
Your doctor may not be covered
Various health insurance plans have varying health providers’ panel lists. As such, if you would like a specific doctor, check whether they are covered under the health insurance plan you have your eyes on. HMOs are the most limiting, restricting you to doctors within their network. PPOs give you the liberty to go outside their network, but at a higher fee.
Not all medications are covered
Just like doctors, not all treatment procedures and medications are covered in your health insurance plan. Most dental procedures aren’t covered by insurance. That said, you might want to buy a dental insurance cover for optimal dental care coverage.
Alternative treatment procedures like acupuncture and chiropractic care may also not be covered by some health insurance plans. Be sure to check with your agent before you get a surprise after the procedure.
The lowest premium plan may not be the most affordable
With health insurance, there is a lot that determines the ultimate cost. Variables like deductibles, co-payments, and co-insurance payments can quickly add up, eating up any savings made in the monthly premium payments.
Are you looking for health insurance coverage in Lakewood, CO? Please contact Colling Insurance Services Inc. today for all your health insurance solutions.