Questions you should ask when choosing health insurance

Your health insurance is vital to your healthcare. If you are not covered for things you need, you may not get them done, or you may avoid visiting the doctor even when it is in your best interest to do that. You need to be able to afford your medication. Your choice makes all the difference. At Western Trail Insurance in Oshkosh, NE, we are dedicated to providing our customers with the best products at the most affordable prices. 

Is my doctor in the network?

When you have a doctor with whom you have developed a relationship, you want to remain with them. Not every doctor is in every network so making sure they are in the one you choose is important for your continued health care. 

What is my deductible?

The deductible is the amount that you need to pay out of pocket before your health services start to be paid for by your insurance. The higher the deductible, the more affordable the policy but the more you need to pay. 

What kind of prescription coverage do I have?

If you take prescription medication, you need to know that your medication is covered, and you also need to know how much it will cost you a month. 

Are dental and vision included?

Vision and dental are important parts of your overall healthcare, and you need to know if they are included or if you will need to purchase additional policies.  

Can I use a provider outside the network? 

Depending on the type of managed care you choose you may or may not get any coverage for services outside the network. If you like choices, this is an important issue 

Contact Western Trail Insurance in Oshkosh, NE when you are in the market for health insurance.