Health insurance is a vital type of insurance. Without health insurance, you might not get the health care that you need. Finding the right health insurance can be difficult and having an insurance agent you trust can help. In Wenatchee, WA, our team at Wenatchee Insurance Agency is dedicated to helping get rid of the confusion surrounding health insurance and making sure all of our clients have the right coverage.
What is an HMO?
HMO stands for Health Maintenance Organization, and it is the most restrictive type of managed care. With an HMO you usually cannot go outside the network for treatment except in the case of an extreme emergency. You must have a primary care physician who is responsible for your care and providing referrals if you need to go to a specialist. It is also usually the most affordable type of managed care.
Should I get a high deductible policy?
Affordability is the most common reason for choosing a high deductible policy. It also allows you to have an HSA (healthcare savings account) which is exempt from tax in order to put aside money to pay for covered medical expenses.
How do I make sure my doctor takes the health insurance?
The first option is to check the list of doctors who are in the plan network but if this isn’t helping you, call your doctor’s office, they should be able to help.
Are my prescriptions covered?
Every plan has a formulary which is a list of covered medications. They are listed in tiers; some tiers may be free, and others may have a copay and/or a deductible. You should be able to find this on the carrier website.
Schedule A Consultation Today
Contact Wenatchee Insurance Agency in Wenatchee, WA when you need help with your health insurance needs. We are here to answer your call.