Important Health Insurance Myths To Avoid While Researching Coverage

Right Choice Insurance and Taxes serves the Tuscon, AZ community. We are an independent insurance business. Our service was built on maintaining a high level of professionalism and integrity. We strive to treat our customers like family. We are confident that we can help you find the coverage that you need. We offer our clients unique policies designed to protect their interests.

Important Health Insurance Myths To Avoid

Health insurance is an asset that helps ensure that you are living a stress-free life in Tuscon AZ. If you aren’t feeling well, health insurance covers you if you need to see your doctor or visit the emergency. The policy also covers any medication that your doctor may recommend that you can take to help feel better. If you are seriously injured, your health insurance will cover your medical treatment and rehabilitation. Health insurance also covers your preventative care, such as routine checkups and exams. While you research different health insurance policies, avoid these common health insurance myths.

I Don’t Need Full Coverage Until I Age

This is a mistake that many people make. Just because you are young that does not mean an accident may not occur. Life is full of unexpected moments. Health insurance is an asset for you regardless of your age because you can go see the doctor to make sure everything is ok. You want to avoid a situation where you suddenly become ill, and you aren’t covered.

Group Policies And Individual Policies Are Similar

This is incorrect. Individual policies have major differences compared to group policies. For example, if you have your own individual policy, you can customize your health coverage to align directly with your needs. If you rely simply on a group policy, your coverage is more restrictive.

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Health insurance terms you need to understand

Health insurance is not optional. It is a necessity. Without it, people tend to avoid taking important preventative care. To have a lifetime of good health, you need to get the care you need before any health issue you may have becomes a major problem. Choosing the right health insurance can be very stressful as you weigh one policy against another. Understanding a variety of insurance terms is important when making such a vital decision. At Right Choice Insurance and Taxes in Tucson, AZ, our experienced team is here to help you with this important choice. 

Out of pocket maximum

This is usually listed as a dollar amount and is one of the most important figures you need to consider. This is the most you will be required to pay in any calendar year for your medical expenses. This includes copay, deductibles, and coinsurance. Basically, this is what keeps you from having to declare bankruptcy if you have a lengthy illness or serious accident. 

Network

The network is the healthcare professionals and institutions your insurance carrier has contracted to provide services at predetermined prices. Making sure your preferred providers are in the network is important. 

Deductible

A deductible is an amount you are required to pay out of pocket before your insurance starts to pay for services. 

Copayment

A copayment is your portion of the cost of any service that is provided to you. Copays are variable depending on the type of service you are receiving. You may pay a different copay for an office visit and an X-ray. 

Coinsurance

Coinsurance is your portion of a provided service, usually referred to as a percentage of the service’s negotiated cost. 

Call or visit Right Choice Insurance and Taxes in Tucson, AZ for your health insurance needs.