Every year you have to decide to remain with the health insurance carrier that you used last year or to see if you can find one to provide better coverage and care. It is an important decision and not one to take lightly. Many things go into making the choice the right one for you and having an insurance agent who can help you to make the right one is important. At Uban Insurance Agency in Salt Lake City UT, we make sure that you make the best choice for you by providing you with choices.
You will, of course, question the cost, but while you do need to be able to afford your health insurance, cost should not be the primary factor in your choice.
Is my doctor in the network?
Every carrier has a network of providers that they have contracts with to provide services to their policyholders. Most health care plans are managed care these days and require a primary care physician who plays a very important role in your health care. You want to make sure the doctors and hospitals you prefer take your health insurance.
Is my medication covered?
Every insurance carrier has a formulary that includes the medications that are covered on the plan. Medication is placed in tiers by cost to you. Some have deductibles and copays. You need to know that your medication is covered and how much it costs to fill your prescriptions.
Does the plan include dental and vision?
Dental and vision and important additions to a health care plan. In order to compare policies, you need to know whether these important types of care are included. If they aren’t, you may be able to buy additional coverage.
Contact Uban Insurance Agency in Salt Lake City UT with your health insurance needs.