Health insurance is something that causes many people a lot of worry and stress. It has gotten so complicated. Not only when it comes to choosing the right policy, one that is both effective and affordable but understanding all the terms that are used to describe what is covered and how much the policy will pay for that service. At Bob Korvas Agency Inc. in Niles, IL we have an experienced team who can help you navigate the complicated world of health insurance and if you need to speak to someone in Spanish or Polish, we have a staff member to help you.
What exactly is a network? Each insurance carrier has made an arrangement with providers to get the best deals for their customers. This is their network. When you are choosing which carrier works best for you it is important that you check their network to make sure that the doctors, dentists, walk-in, and hospital that you prefer are a part of their network.
The copayment is your share of any treatment that you receive. It can be the amount that you are required to give to your healthcare provider when you have an appointment or the part of treatment such as X-rays or blood tests that you are required to pay. It is an important consideration and varies greatly from one carrier to another.
The deductible is the dollar amount that you are required to pay out of pocket before the insurance begins to cover services. It can apply to all charges or it may exclude some. You need to read this section of the policy very carefully. High deductible policies are popular these days and more affordable but if you will never get any services covered, it may not make sense for you.
Health insurance is one of the most important types of insurance you purchase and at Bob Korvas Agency Inc.in Niles, IL we are here to help you make the right choice. Give us a call or stop by our office ad let is give you the benefit of our years of experience.