Choosing the right health insurance can be a stressful process. There are many options and trying to balance the right amounts of coverage, premium payments, deductibles, and prescription coverage can be overwhelming. Mauceri-Bynum Insurance Agency in McKinney wants to make the selection process easier and clearer for you by explaining everything your health insurance policy covers, so you can select your McKinney health insurance policy with confidence.
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There are essentially three types of Texas health insurance policies to choose from:
These are what help to cover hospital, surgical, and medical expenses. They may even cover other expenses not directly related, such as dental expenses, mental health services, and prescription drugs, depending on the coverage you choose to get from a provider or the additional insurance you elect when choosing a policy.
A consumer-directed health plan or “consumer-driven” is a recent type of healthcare option, which is specifically designed to give more control to the individual insured. You set up a health fund that can be used to cover medical expenses as a key part of this plan. This plan appeals to individuals who don’t have many recurring medical expenses, tend to need to visit the doctor less frequently, and like the idea of saving now for possible medical expenses down the road. Call Mauceri-Bynum Insurance Agency in McKinney to learn more and get your health insurance quote.
This is a more traditional healthcare plan; the fee for service option means you pay a fee to your provider for every healthcare service you receive, which is a copay. The benefit of this type of McKinney health insurance plan is that it allows for a lot of flexibility when choosing a physician or healthcare provider without paying large premiums. This can be an attractive option for individuals or families who utilize multiple doctors or want to know exactly what they’ll pay out-of-pocket when they go to a doctor in their network of approved physicians.
Members of managed care health plans generally enjoy more benefits, like lower out-of-pocket costs. However, you can only receive treatment from physicians who participate in the managed care network. Typical managed care plans include health maintenance organizations (HMOs), preferred provider organizations (PPO), and point-of service (POS) plans. It is a much more organized option with a wide range of options for individuals who select this type of coverage.
There are a lot of misconceptions about health insurance. Many people believe health insurance is overly expensive, and that they cannot afford a plan. In some cases, they may be right. There are certainly costly health insurance plans available on the market. That being said, there are also many affordable coverage options, designed for those who cannot afford to pay thousands of dollars per year. Many of these options will suit your needs just fine.
At Mauceri Bynum Insurance, we believe that everyone should be able to afford health care. We have designed our plans to be both competitively priced and high-quality. We aim to ensure that you receive the coverage you need when you need it. We’re not in the business of nickel-and-diming customers. We have many affordable coverage options available — give us a call to learn more!
If you’re trying to figure out the best McKinney health insurance plan for you, the experienced professionals at Mauceri-Bynum Insurance Agency want to hear from you. We’ll work hard to put together options that give you the coverage you need at a price you can afford. We can help make sure your Texas health insurance meets your needs without breaking the bank. Call 214-733-8400 today to speak to one of our agents about health insurance quotes and coverage.