The most important factor, and the first you need to consider when it comes to determining which health insurance policy to purchase is the type of policy choose. Indemnity, HMO, PPO and POS medical insurance plans all have different priorities when it comes to how your health care is viewed and, therefore, treated. Some important topics that differ from one type of plan to another include your:
Doctor visits
Preventative care
Diagnostic tests
Hospital
Extended care
Emergency Treatment
Prescription drugs
Home health care
A really good medical insurance policy will include all these critical areas of coverage. However, a really good medical insurance policy is also really expensive. You will probably need to prioritize your health care to get what you need and want in a health insurance policy, without paying for coverage that is unnecessary for your needs.
An example: A typical fee-for-service (indemnity) plan will be relatively comprehensive except for prescription drugs and preventative care coverage. This is ideal for someone who values the security of extensive coverage over the elimination of routine costs, like doctor visits.
If a plan makes up for its lack of coverage in one area by covering services you find essential to your health care, it may be wise to live with this particular deficiency in the policy. Please contact us we are here to help you find a plan that fits your needs.
Doctor visits Preventative care Diagnostic tests Hospital Extended care Emergency Treatment Prescription drugs Home health careA really good medical insurance policy will include all these critical areas of coverage. However, a really good medical insurance policy is also really expensive. You will probably need to prioritize your health care to get what you need and want in a health insurance policy, without paying for coverage that is unnecessary for your needs.
An example: A typical fee-for-service (indemnity) plan will be relatively comprehensive except for prescription drugs and preventative care coverage. This is ideal for someone who values the security of extensive coverage over the elimination of routine costs, like doctor visits.
If a plan makes up for its lack of coverage in one area by covering services you find essential to your health care, it may be wise to live with this particular deficiency in the policy. Please contact us we are here to help you find a plan that fits your needs.
Visit us at www.layandwilliams.com or call 1.800.281.8783
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