I am a local health insurance agent in the Denton area. I field calls all day from residents of Denton, Flower Mound, Lewisville, Hickory Creek, Little Elm,
Argyle, Aubrey, Justin and others in the area looking for help with their health insurance needs. Here are a few items that one must think about when looking for health insurance.
1.
Affordable Premium - Ask yourself, can I afford the premium month after month. Remember, if your policy lapses then you have wasted your money. Buy the policy that you can afford, keep it and use it when you need too.
2.
Local Agent
vs. National Sales Person - My whole family is involved in our community. We live and shop here. I often meet my clients at football games or other local events. When you need help a local agent has a vested interest to help, their reputation!
3.
Hospital Deductible - This is the amount that you will need to pay in the event someone needs to be hospitalized. These range from $500-$5000.
4.
Dr. Office Co-Pay - This is the amount that you will need to pay the Dr. Office each time that you visit them. These range from $0-$50.
5.
Hospital Co-Insurance (usually listed as 80/20 or 70/30) - This is the amount of money that you and the insurance company pay base upon %. For example - if the policy says 80/20 then after you pay the initial deductible then you would pay 20% of the covered expenses and the insurance company would pay 80% of the covered expenses up to the Stop Loss. (usually $5.000 or $10,000)
6.
OOP - Out of Pocket expenses - this means the total amount of covered expenses that you would be responsible to pay. This does not include non covered expenses, if there are any.
7.
Conditions that might be excluded - All insurance companies consider risk when evaluating any conditions that you might have or prescriptions that you are currently taking. One company may exclude or decline coverage while another company might cover the condition. This is why I work with several companies.
Let Brent Trice an insurance specialist help you find the right policy. call Brent at 940-594-8040