If you are stressed out by the thought of having to choose health insurance, you are not alone. About 50% of people questioned about choosing health insurance described it as very stressful. So much depends on making the correct choice. Getting the right health coverage shapes your medical care for the next year. Having an insurance carrier who can help answer your questions is crucial. In Little Falls, MN, Hanneken Insurance Agency Inc. has been serving central Minnesota for more than 30 years. We represent more than 60 carriers providing our customers with lots of choices.
How much does the policy cost?
Price should not be the primary factor in your health insurance decision but ideally, if it is not affordable, you should not even be considering it. Only considering policies you can live with makes more sense than dreaming about the perfect one you won’t be able to pay every month. After you have limited your choices to health insurance you can afford, there are still some very important questions to ask.
Are my doctors in the network?
Every health insurance carrier has a network of providers who have contracted to provide services. This allows the insurance company to manage costs and offer customers the best prices possible. If you don’t have a primary care physician or any specialist you have a relationship with, you don’t need to worry. If however, you do have doctors you prefer, you need to know you will be able to use them.
Are my prescriptions covered?
Each carrier has a list of covered drugs called a formulary. Getting your prescriptions covered is important especially if you are on maintenance drugs.
What is the yearly deductible?
This is the amount you need to pay out of your own pocket before the insurance policy begins to cover expenses.
At Hanneken Insurance Agency Inc. in Little Falls, MN, our experienced team can help to answer these and any other questions you may have about health insurance. Contact us for a free quote.