Get to the Bottom of These Health Insurance Misconceptions

Health insurance can be difficult to navigate, especially with all the misinformation out there. Let’s get to the bottom of some ideas you have heard about health insurance.

The most important thing to look for is always a low deductible. True or false? The answer is false. The truth is you want to be aware of your deductible. Also, what are the co-payments or co-insurance costs? The most important thing to know is reaching that low deductible does not mean your liability ends.

I never go to the doctor, so I don’t need health insurance. True or false? The answer is false. The truth is you may be healthy now, but what if you develop a health condition that requires expensive treatment? Also, what if an unexpected accident occurs? The most important thing is to have some level of coverage.

Health insurance never covers my annual physical. True or false? The answer is true. The truth is if your policy was written before the Affordable Care Act, your annual physical may have a co-pay or co-insurance. Also, a basic well check may be covered, but any required lab work may not.

There is no one I can trust to explain insurance policy benefits. True or false? The answer is false. The truth is a licensed agent can assist you in understanding your policy. Also, they can share other plan options and rates.

Call or email us today to go over your options or to clarify any questions you have about health insurance.