Choosing a Health Insurance Policy

Having a health insurance plan in McConnellsburg, PA is necessary in order to protect yourself from financial disaster because of an accident or illness. Whether you are covered through an employer or picking out your own coverage, you still will need to choose the right one to suit your needs. An agent at Peck Insurance Agency can help.

  • Compare Types of Health Insurance Plans: There are a lot of different plan acronyms you will see, including HMOs and PPOs. The type of plan you use will determine your out of pocket costs and which doctors you can see. Plans that are HMOs will make you see a primary care doctor before seeing a specialist. When looking at different options, look for a summary of benefits. Also, look at which clinics and doctors participate in the plan’s network. An HMO plan may be a good fit for you if you want a lower out of pocket cost, but a PPO may be right for you if you don’t want to have to get a referral and want more provider options.
  • Compare Health Plan Networks: When you go to an in-network doctor costs are cheaper, so if you have preferred doctors that you want to keep seeing make sure they are in the network. If you don’t already have a preferred doctor, you want a plan with a broader network, so you have more choices. This is especially important for rural communities so that you are more likely to find a doctor.
  • Compare Out of Pocket Costs: The plan’s summary of benefits will explain how much you will have to pay for services. It’s important to understand your deductible, copayments, and coinsurance so that you can see what you may have to pay in a year in addition to your premiums.

Contact Peck Insurance Agency, serving McConnellsburg, PA, to get a quote on health insurance.