Choosing the right health insurance plan is not the easiest task. There are many factors to consider before purchasing any specific plan. In order to help you make the right decision, Maple Mountain Insurance Services serving clients in Mapleton, UT, and other surrounding towns prepared brief information about health insurance:
What Should You Know About Health Insurance?
Here is what you should know when you are shopping for health insurance:
- There are four metal categories. They are Bronze, Silver, Gold, and Platinum. These categories have nothing to do with the quality of care – they are based on how you and your plan split the costs of healthcare. The Bronze category is the cheapest one, while the most expensive one is Platinum.
- You will make monthly payments to your insurance company. Even if you do not use medical services that month, you will still have to pay a monthly premium. There are also some out-of-pocket costs, including a deductible.
- There are different network and plan types. They are PPO, HMO, EPO, and POS plans. There are some plans that allow you to use almost any healthcare provider or facility. There are also plans that will charge you extra if you use a doctor outside your network.
Having healthcare is a must, regardless of your age, occupation, and lifestyle. It may not be easy to find the perfect plan addressing all your medical and personal needs. If you live in the state of Utah, contact Maple Mountain Insurance Services that serve the needs of clients in Mapleton, UT, and other surrounding towns. Our insurance agents will answer your questions and help you make the right choice.