What To Ask An Insurance Agent

Here are some good questions to ask an insurance agent when they give you your free quotes:

• Will this kind of plan be best for my health and budget needs?
• Should I get a plan that's compatible with a Health Savings Account?
• Does the plan cover preventive care?
• What are the copayments and coinsurance?
• What is the yearly out-of-pocket maximum?
• What should I expect my premiums to be set at?
• Can you get me pre-approval for the plan?
• Should I look for a lower premium or a lower deductible?
• Which hospitals in my area will the plan cover?
• Which doctors and physicians in the area will my plan cover?
• What are the plan's limitations or exclusions?
• Are there any waiting periods for care?

Before you start the application process, make sure you understand the details of the plan you're choosing. Also, think about any special coverage you may need - such as maternity care, mental health, prescription drugs, or additional coverage for your children or spouse.

You don't want to pay for coverage you won't need - or worse, pay for a plan that doesn't have the coverage you do need.

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