Questions you should ask before choosing your health insurance coverage

Trying to figure out what health insurance offers the best value for money can be so stressful that many people keep the same from year to year. It is more accessible but not always right. At Colling Insurance Services Inc. in Lakewood, CO, we have an experienced team who will work with you to ensure your decision is the best option.  

Is my doctor in the network?

If you have a preferred doctor or another medical professional, it is important to know that you can continue to get your health care from them. Every doctor is not in every network, so make sure your favorite is in your chosen network. 

What is the yearly deductible?

The yearly deductible is the amount you will need to pay out of pocket before your medical services are covered. The higher the deductible, the lower the premium, but if your insurance never pays for anything, that isn’t the best option. 

Does my policy have prescription coverage?

Most health insurance includes prescription coverage but double-checking it is always wiser. You also want to know that your prescriptions are covered and how much it will cost to refill them. 

Do I have dental and vision coverage?

This is vital to know, and if you don’t have it, do you want to add that coverage through another policy? Sometimes, another policy is the better option. 

Can I see providers outside of the network?

With managed care, this is a legitimate question. With an HMO, the answer is no. If you are getting a PPO or POS, you will pay more. 

In Lakewood, CO, you can count on Colling Insurance Services Inc. to provide the most choices in health carriers and good advice on what’s best for you.