W.B. Adams Company

14737 SW Millikan Way
Beaverton, OR 97003

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Questions to ask when choosing your health insurance

One of your most significant decisions every year is choosing your health insurance. It’s a decision you must live with for a year, good or bad. Before choosing, there are some questions that you should ask. At W.B. Adams Company in Beaverton, OR, we are independent insurance agents who put the needs of our customers first. We are here to answer your questions and help to make sure you get the health insurance that is right for you. 

Is my doctor in the network?

Every carrier has a network of providers approved for the health insurance customers to use. If you have a primary care doctor or specialist that you prefer, it is wise to make sure they are included in the network of the insurance you are considering. 

How much is the deductible? 

Every health care insurance has a deductible that must be met before the policy begins to cover treatment. High deductibles are all the rage those days, but if the deductible is too high, it means almost nothing may be covered. 

What is the premium? 

Cost should not be the main criterion when choosing a health insurance policy, but obviously, you have to be able to afford whatever you choose. 

What type of managed care is it?

Managed care is what almost all types of health insurance are. Some types of managed care are more restrictive than others. HMO (Health Management Organization) is the most restrictive and requires that you get services within the network. PPO (Preferred Provider Organization) usually pays more if you get treatment within the network, and POS (Point of Service) lets you choose which type to use every time you need service. Making the right choice is important. 

Contact W.B. Adams Company in Beaverton, OR with all your health insurance needs; we can help.