Health insurance is not a one-and-done. Every year you need to make the important decision that will give you your health insurance coverage for the next year. If you make a bad decision, you will be living with it for 12 months. At InsPeak in Arlington, TX, we are independent insurance agents, which means we work for our customers and can provide more choices.
What is a network?
A network is a group of healthcare providers who have contracted to work for a health insurance carrier to provide services at an agreed-upon cost. It includes doctors, hospitals, and all the other medical professionals you need to see.
Are my prescriptions on the plan?
If your plan includes prescriptions, you will have access to a formulary. It is a listing of all the drugs that are covered under your plan. It is listed in tiers. Some tiers may have a deductible and copays. This is something important to check if you take medication. The amount you need to pay monthly can affect the overall cost of your health care insurance.
Is my doctor on the network?
Not every doctor belongs to every network. If you have doctors you don’t want to lose, one of the first things you need to check before picking a health insurance plan is to make sure your doctor takes this plan.
What is managed care?
Managed care is a type of healthcare that manages your medical care by providing doctors and other healthcare providers within their network who agree to provide services at an agreed-upon price. Depending on the type you have, you may need to have a primary care doctor who manages your individual care.
Give Us A Call
Contact InsPeak in Arlington, TX to discuss your health insurance needs. We can provide a no-obligation quote.