Questions to ask when choosing health insurance

When it comes to choosing health insurance it can be daunting. So many things to consider. You need to understand what all the terms mean and what they will mean to the choices that you make. Residents of the Oklahoma City, OK area can turn to  Freeland Insurance to help them to make an educated decision.

Some of the questions you need to consider are:

  • Can I keep my doctors?
  • How much will my insurance premiums be?
  • What is my deductible?
  • What is the yearly out of pocket maximum on the policy?

Most people develop a personal relationship with their physician. Knowing that you will be able to continue to see them if you join a particular insurance plan is important. Most insurance plans can provide you with a list of providers who accept their plan. It is up to you to check and make sure that your doctor is on the plan. If in doubt, call the doctor’s office and ask them.

Premiums vary greatly from one plan and policy to another. Be sure that you are comparing all the advantages of each plan, while premiums are important, so is the amount of coverage and the deductibles and copays.

Most plans include deductibles and also copays. You want to be sure that you will not be paying for a policy that never pays for anything because you have not met your deductible.

A long term hospitalization can destroy your finances. That is where the maximum amount that you need to pay out of pocket for covered procedures in a year can really be important.

Health insurance is complicated. Choosing the correct plan for you can be very stressful. If you live in the Oklahoma City, OK area, the knowledgeable agents at Freeland Insurance will be happy to help you to understand your options. Give us a call or stop by our office and let us give you a no-obligation quote.

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