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4820 W 77th St #125
Edina, MN 55435

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How to Talk to Your Insurance Agent About Health Insurance Benefits

When it comes to getting health insurance, you’ll need to be well prepared to know what to ask for and how your situation affects your benefits. Visit a Central Lakes Insurance Brokers agent in Edina, MN with a list of questions about what you may want to know about to help us make the right decisions for your insurance plan.

Important Questions to Ask

Some of the more crucial questions you should ask your insurance agent about health insurance include:

  • What will my co-pays be (amounts to go to the doctor, urgent care, get prescriptions, etc.)?
  • What will it cost for other types of care (such as x-rays or various tests)? (co-insurance)
  • How much will I have to pay monthly? (premium)
  • How much will I have to pay throughout the year before I see benefits to my plan? (deductible)

You’ll also want to ask yourself if the bottom line for said health insurance plan fits within your budget. It may be steep, but if you can see an overall benefit with setting up this health insurance policy, you should go for it.

Prepare for Every Instance

You should think carefully about what the worst-case scenario might be with your health (and anyone who will be under your policy). Ask the agent how much you’d have to pay out-of-pocket with the plan in question if you’re involved in more accidents or require more treatment over the next year. When you have the answer, consider if you’d be able to pay that amount if you had to pay it.

Considerations for Comfort

If you have a doctor in place who you would like to keep going to, find out if the plan will allow for that. If it isn’t covered to go to your particular doctor, find out how much it would cost. If the plan is otherwise great, consider if you’d switch doctors to make it more affordable and easier on your health insurance plan.

In addition, it’s a good idea to ask if your current prescriptions are covered, and at what point you’d have to pay out-of-pocket for them. Determine if you’ll need to change pharmacies and if that will be convenient for you.

A reputable insurance agent like Central Lakes Insurance Brokers of the Edina, MN area can help you sort through your concerns about health insurance benefits. Reach out via phone or email today.