Questions to ask before choosing your health insurance

Health insurance can be one of the most complex decisions you make every year. If you choose incorrectly, you will have to live with that decision for a year, which can make a major difference to your health care. Our team of independent agents at Barry Insurance Group in Pearland, TX, gives all of our customers personalized service to help them make the right insurance choice for them. 

Is my doctor in the network?

Many people have a doctor that they prefer. If you have a doctor or specialist you want to continue to see, it is vital to find out if they are in the carrier’s network that you are looking at. Some doctors in a practice may be in a network, and others are not, so it is vital to get this information. 

What is the monthly premium?

Premium should not be the first thing in your decision, but it is a determining factor. Health insurance won’t help you if you can’t afford the premium. 

What is the yearly deductible?

Most policies these days have a yearly deductible that must be met before the coverage begins. With high deductible policies, there are other things you need to consider, like an FSA or an HSA. 

Are my prescriptions covered?

If you take prescription medication, it is vital that you know that your medication is covered and what the copay will be. You can find this information in the formulary for your proposed policy. Drugs are listed in tiers, and you need to look for the generic and brand names. In many cases, you will need to choose the generic. 

Call our office at Barry Insurance Group in Pearland, TX when you have to make the all-important decision about your health insurance. 

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