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.

Are you confused about health care insurance coverage in Mapleton, UT, and need help mapping out your available options? A knowledgeable insurance agent at Maple Mountain Insurance Services can help. 

Mapleton Mountain Insurance Services provides comprehensive healthcare insurance options that can be customized to meet the specific needs of area individuals, families, employers, and groups. If you are a young professional, family with children, local business owner, or retiree seeking additional health insurance options, this is the guide for you! 

Utah Health Care Insurance Basics

Good health is one of the keys to a better quality of life, which is why health-conscious locals choose the best health insurance available for overall well-being and peace of mind. Quality health insurance plans help Utah residents safeguard their well-being, stay healthier with routine care, and provide healthcare support and medical emergencies. 

Following are examples of a few healthcare insurance options typically available for Mapleton residents. 

Individual Health Insurance 

More self-employed workers and other individuals are seeking independent healthcare plans to help offset the costs of visiting medical doctors, dentists, eye care providers, and specialists. Talk to a knowledgeable agent to learn what individual health insurance plans are available for Mapleton residents. 

Family Health Insurance 

Families seeking to provide the best medical, dental, and optical care coverage for themselves and their loved ones can select from an array of family health insurance plans that deliver their desired levels of coverage. 

Group Health Insurance 

Local area employers seeking to provide group health insurance options for their loyal employees can talk to insurance professionals to learn about comprehensive group insurance plans and extended coverage for employers and employees. 

Contact a licensed insurance agent at Maple Mountain Insurance Services to learn about your best options. 

Mental health is a part of how each of us gets through life. Modern life often requires facing challenges that we’re not prepared for. Evolving awareness of the common experience of mental health challenges in daily life has led to people reaching out for related services. They’re using their insurance coverage to help make it affordable. At Maple Mountain Insurance Services, we recognize that many Mapleton, UT area residents might benefit from mental health coverage consultations to help them improve their lives or handle emerging treatment needs.

Healthcare coverage Options Are Complex.

From Medicaid to the broad range of commercial and healthcare exchange options, health insurance experts can help you examine how your existing health insurance meets your anticipated mental health coverage needs. We can review coverage specifics, such as visits to a mental health professional or substance abuse recovery. Streamlining your coverage could force you to make tough choices should challenges appear in the future, while your overall health insurance premium needs to be affordable.

Types of Providers Covered

Another consideration for mental health coverage as part of your health insurance or in addition to core coverage is the types of providers covered. This is especially true if family members have identified or chronic treatment needs. Since mental health care can help you in your job, family, and home life and enrich relationships, it’s a coverage that’s well worth discussing.

Balancing Your Health Insurance Choices with Experienced Help

At Maple Mountain Insurance Services, we’re here to help you face an uncertain world with coverage that will step in when needed and keep you on track toward your goals in Mapleton, UT. Give us a call, and we can help you plan wisely!

Now that we are in 2023, here are some tips and strategies from us at Maple Mountain Insurance Services to help everyone in the Mapleton, UT area reach your health goals this year:

• Make Healthy Eating a Priority – Make healthy eating habits one of your top priorities. Focus on consuming more whole grains, fresh fruits and vegetables, lean proteins, and plenty of water. Avoid processed foods as much as possible; opt for natural ingredients when cooking at home.
• Exercise Regularly – Create an exercise routine that works for you and stick to it. Whether you’re a fan of running or yoga, make sure you’re getting regular physical activity each week. Aim for at least 30 minutes of moderate exercise five days a week.
• Get Enough Sleep – Getting adequate rest is essential to overall health and well-being, so make sure you’re catching enough Zzzs each night. Adults should get 7-9 hours of sleep per night to support cognitive processes, maintain healthy energy levels, and relieve illness.
• Prioritize Self-Care – Take time for yourself every day! Make sure you’re setting aside moments to relax and recharge, whether journaling, going for a walk, or getting a massage – these activities will help manage stress and keep your mental health in check.
• Seek Professional Support – If you’re struggling with your health goals, don’t hesitate to contact a professional. Consulting with a nutritionist or personal trainer can help you stay on track and provide guidance throughout the journey.

With these tips in mind, you’ll be well on your way to achieving your health goals in 2023. For more tips, call us at Maple Mountain Insurance Services today! We proudly serve the Mapleton, UT area. 

Most people in Mapleton, UT know that health insurance doesn’t cover everything. But what are some of those exceptions? Maple Mountain Insurance Services has answers!

Alternative Medicine

Acupuncture, chiropractic care, and massage therapy are just a few alternative treatments often not covered by health insurance. If you’re interested in pursuing any alternative treatment, be sure to check with your insurance company first to see if it is covered.

Cosmetic Procedures

While some cosmetic procedures may be considered medically necessary, most are not. So if you’re hoping to get liposuction or a nose job, you’ll likely have to pay for it out of pocket.

Dental Care

Most health insurance plans do not cover dental care. This includes both preventive care and necessary treatments like fillings and root canals. If you need dental work, you’ll probably have to pay for it or purchase a separate dental insurance plan. 

Weight Loss Programs

Health insurance generally doesn’t cover weight loss programs either. Most insurers consider weight loss a lifestyle choice rather than a medical necessity. There are some exceptions, however, such as weight loss programs recommended by a physician to treat a specific medical condition like obesity. 

Fertility Treatments

Fertility treatments like in-vitro fertilization (IVF) are often not covered by health insurance plans. This is because they are considered elective procedures, meaning they’re not medically necessary. If you’re hoping to start a family and need assistance conceiving, you may have to pay for fertility treatments out of pocket. 

These are just a few of the exceptions to health insurance coverage. Before you assume your treatment will be covered in Mapleton, UT, contact Maple Mountain Insurance Services. We can help you find out what your policy covers.

There are some health insurance plans that will include a Health Savings Account (HAS). These accounts are often used by Mapleton, UT residents who have an insurance plan with a high deductible to cover health care costs. If your health insurance plan has a HAS and you are unfamiliar with it, Maple Mountain Insurance Services would like to share some basic information with you.

How Do HSAs Work?

HSAs are often offered by employers as a supplement to their medical insurance plans. If an employee does not have a HSA, but has a high deductible plan, they can open an individual account. Owning a HSA means that you must decide the amount of tax-exempt funds you’d like to send to your HAS to cover medical expenses. Just keep in mind that there are maximums mandated by the government. This amount changes from one year to the next and whether you are insuring an individual or family. Our team can help you determine how much you should send to your HSA.

How Can HSAs Be Used? What Are Their Benefits?

A health savings plan covers healthcare-related costs that your regular health insurance plan does not cover, such as birth control, medical supplies, prescriptions, eye care, and dental care. In addition, it can provide funding for deductibles, copays, and coinsurance. As a general rule, your insurance premiums cannot be paid by your HSA.

One of the great things about HSAs is that the accumulated money in the account will roll over to the next year instead of expiring at the end of the year. These plans are great for mutual fund investment income. You never have to pay taxes if you withdraw money, and they aren’t part of your taxable income. They are often used in retirement savings because the funds are eligible for non-healthcare expenses once you reach the age of 65.

If you would like to learn more about health savings plans in Mapleton, UT, schedule an appointment with a member of our team at Maple Mountain Insurance Services.

Choosing the right health insurance plan is not the easiest task. There are many factors to consider before purchasing any specific plan. In order to help you make the right decision, Maple Mountain Insurance Services serving clients in Mapleton, UT, and other surrounding  towns prepared brief information about health insurance: 

What Should You Know About Health Insurance?

Here is what you should know when you are shopping for health insurance:

• There are four metal categories. They are Bronze, Silver, Gold, and Platinum. These categories have nothing to do with the quality of care – they are based on how you and your plan split the costs of healthcare. The Bronze category is the cheapest one, while the most expensive one is Platinum. 
• You will make monthly payments to your insurance company. Even if you do not use medical services that month, you will still have to pay a monthly premium. There are also some out-of-pocket costs, including a deductible. 
• There are different network and plan types. They are PPO, HMO, EPO, and POS plans. There are some plans that allow you to use almost any healthcare provider or facility. There are also plans that will charge you extra if you use a doctor outside your network.

Having healthcare is a must, regardless of your age, occupation, and lifestyle. It may not be easy to find the perfect plan addressing all your medical and personal needs. If you live in the state of Utah, contact Maple Mountain Insurance Services that serve the needs of clients in Mapleton, UT, and other surrounding towns. Our insurance agents will answer your questions and help you make the right choice. 

People that live in the Mapleton, UT area have a lot of insurance needs, which are designed to provide important forms of protection. One of the most important forms of insurance that someone here could get is health insurance. When you are going to get health insurance, you can benefit in several ways, which will continue to make it an ideal investment and option for you.

Insurance Gives Coverage for Major Medical

A key reason anyone in Utah should get health coverage is that they will receive protection against major medical events. If you are ever seriously hurt or injured, the costs associated with it can be significant. Fortunately, you will be able to offset this risk if you invest in health insurance. With health coverage, your out of pocket costs will be limited to a certain level each year, which could cut down on your personal charges. 

Insurance is a Legal Obligation

While it was not always the case in the past, people all over the country today are obligated to carry health insurance. When submitting your taxes at the end of each year, you will be required to provide proof that you had and maintained coverage for the entire year. If not, there are penalties that could be applied. 

When you are shopping for your next health insurance policy and are in or around Mapleton, UT, it could be helpful to contact Maple Mountain Insurance Services. When you are working with Maple Mountain Insurance Services you are going to learn a lot about how health insurance can benefit you. The insurance professionals here can help you then build a plan that will give the right protection to you and anyone else that you want to be covered and protected under it. 

When shopping for health insurance, it is easy to become overwhelmed by the many different terms and plan options. Understanding what the terminology means is the best way to equip yourself to purchase the best plan. At Maple Mountain Insurance Services, serving Mapleton, UT, we take the time to educate our clients and future clients on these important topics. Here are several important insurance terms that you should know. 

Premium 

The premium is one of the most important parts of your insurance cost. The premium is the amount you pay each month to be part of an insurance plan. Many people consider this the cornerstone of their insurance choices. The premium will most dramatically affect your monthly budgeting, as this will be a recurring expense each month. 

Deductible

When purchasing health insurance, the deductible is another important consideration. The deductible is the amount that you will be expected to pay out of pocket before your insurance benefits kick in. This amount will vary depending on the plan you choose. When choosing an insurance plan, it is important to consider the amount of medical care that you and your family need in an average year. This will help determine how much of a deductible is appropriate for you. 

Co-Payment

When considering your insurance plan, the co-payment is the third most important term to understand. Your co-payment will be an amount that you are expected to pay, upfront, before any medical service. This amount will vary depending on the type of plan you purchase. Considering the co-payment is important for budgeting purposes. Again, you should consider how much medical care your family uses in an average year. 

Understanding health insurance terms is key to making the best possible health insurance choice for your family. If you would like to learn more about health insurance, please contact our friendly staff today at Maple Mountain Insurance Services, serving Mapleton, UT.