Every year, you need to choose the health insurance that will cover you for the following year. This is one of the most important decisions that you make every year. It will determine the type of medical care you will have for the next twelve months. A year is really long if you make a bad choice. At Maple Mountain Insurance Services in Mapleton, UT, we recognize the importance of this decision and will provide the expertise and information you need to make the right decision.

What is the Yearly Medical Deductible?

Most health insurance policies have a deductible that must be met before the insurance covers things. Some high-deductible policies can be very affordable, but the trade-off is paying the deductible. Having an HSA allows you to save money and pay your medical expenses tax-free.

Is My Doctor in the Network?

Every carrier has a list of medical professionals and hospitals that it has contracted with. Depending on the kind of managed care that you have, you may need to choose a primary care doctor within the network. You should check to make sure any doctors you use will still be available to you.

Does the Policy Cover My Prescriptions?

Most health insurance policies cover prescriptions. The ones they cover are listed in the formulary on their website. You may have to get generic drugs for them to be covered and go to a participating pharmacy.

What Type of Managed Care Program is the Policy?

There are three main types of managed care offered: HMO, PPO, and POS. HMOs are the most restrictive, PPOs the most flexible, and POSs a combination of the other two. HMOs are the least expensive, and PPOs are the most costly.

Contact Maple Mountain Insurance Services in Mapleton, UT when choosing your new health insurance.