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Learn these health insurance terms before choosing a plan



If you are soon securing your own health insurance for the first time, or if it has been a while since you changed coverage, there may be insurance terms that you do not know. To help you feel more confident in choosing the right insurance with the help of an experienced Santa Rosa health insurance broker, Sackett & Associates Insurance Services wants to make sure you know these ten health insurance terms. Preventive care
These are care services that you use when you feel healthy and well-balanced to prevent illness. Preventive care includes services such as patient counseling, annual physics, vaccinations and screening. As long as you receive preventive care from a doctor in the plan's network (more on this later), you probably do not have to pay a fee for co-insurance or co-payment.

2. Premium
Premium is the amount you pay to keep your health insurance. You can pay premiums every year, quarter or month.

3. Out-of-Pocket Maximum
This is how much you pay for medical services each insurance period before your insurance provider covers all the services included in your plan. Co-payments, deductibles and coin insurance contribute to this maximum, but not your regular premiums.

4. Out-of-Pocket Cost
Out-of-pocket costs are what you pay for medical services. Examples of such costs include co-payments, deductibles and coin insurance.

5. Out-of-Network
Doctors, healthcare facilities and other healthcare providers who do not accept your health insurance are "out of the network." Although insurance companies do not prohibit you from seeing providers outside the network, companies do not help pay for services received from these providers.

6. In-Network
The opposite of network providers working within the network working with your insurance company. Before you receive health care or pick up a prescription, double-check that you see the facility, the pharmacy or the doctor on your supplier's list of approved doctors and facilities.

7. Significant health benefits
These are specific health services that all insurance providers in the health insurance market must offer. Examples of these benefits are childcare, newborns / maternity, emergency care, mental health and hospitalization.

8. Deductible
Your deductible is the out-of-pocket amount you pay before your insurance is activated. If you have a deductible of $ 40, your insurance will not start until you pay $ 40.

9. Copay
Healthcare accessories and services included in your policy may require a copy. In the same way as a deductible, copies are a kind of fee claim that your insurance company requires before you take care of your medical care. For example, you could have a $ 25 copy for any doctor's appointment or prescription.

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0. Co-insurance
This is your part of the health care bill when you take care of any deductible you owe. For example, if your therapist charges $ 100 per session and your health insurance plan has an insurance requirement of 20%, you only pay $ 20 for one session as long as you have already paid your deductible.

Hopefully you feel more confident in reviewing and choosing the right health policy. For more information or to help narrow down your options, contact a Sackett & Associates Insurance Services representative today. Fill out and send an online form or call us when you are ready at 707-823-3689.

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