10 Tips for Selecting Your Policy

Discuss the following points with one of our agents to make certain you select the best plan to fit your needs.

  1. What providers (hospitals, doctors, and pharmacies) are in-network?
  2. Will you have nationwide and worldwide access to in-network coverage?
  3. Is the network owned by the carrier or rented?
  4. What levels of coverage are provided for physical, occupational or speech therapy?
  5. Describe the process of adding children to your policy at birth.
  6. Will the deductible start over when making plan changes?
  7. How are transplants covered?
  8. What preventive and wellness benefits are included?
  9. How are prescription drugs covered?
  10. How does health reform affect me?

If you have purchased an insurance policy on your own, you probably remember being overwhelmed with plan choices and ultimately making your plan selection based on price. Unfortunately, you may have sacrificed the coverage you needed for a lower premium.

Fortunately, an experienced agent will take the time to assess the type of coverage you need, explain the plans available to you, and assist in selecting a plan with the perfect balance between the price you can afford and the benefits you deserve.

Work with one of our affiliated agents – at no extra cost – to evaluate your situation and create an insurance plan that meets your needs and budget. Contact us by calling 800.445.7866 or e-mailing quote@dgilston.com today.