One of the most important decisions you make every year is choosing your health insurance. Your life literally depends on that decision. You will be stuck with the choice for an entire year, so don’t make it lightly. At HBW Insurance Group in Catonsville, MD, we are locally owned and deeply involved in the local community. Our experienced agents have the knowledge to help you to choose the right health insurance. Because we work with multiple carriers, we can also find you the best possible price. 

Is my doctor in the network?

Having a relationship with your doctor is important. Especially since, in many managed care types of health insurance, your primary care physician will be the one who manages your care. They make referrals to specialists and request tests etc. When you are considering a plan, you need to know that you will be able to see your preferred doctor. 

Does the plan include dental and vision coverage?

Not all insurance plans include dental and vision. These are important types of coverage and if they are not included, you need to see what the cost of adding that coverage will be. It might be that you could do better to get separate coverage for dental and vision. 

Are the drugs I take covered by the plan?

All insurance plans have a formulary of drugs that are covered by the plan. They are listed in theirs by their cost. Some drugs will have not only a copay but a deductible. It is important to make sure that any drugs you take are covered. 

What is the plan deductible?

This is one of the most important things to consider. It doesn’t do much good to have a plan you can afford that won’t cover any medical needs that you have because you have to meet a high deductible. 

Contact HBW Insurance Group in Catonsville, MD when you are ready to start working on this important decision.