What Health Insurance Should I Pick?

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   Ronald Hinch

   Regional Marketing Director, Capital Choice Financial Group,

   There are a several things to pick besides premium and they are available deductibles, copays, and coinsurance which makes up the total out of pocket costs.  If you are healthy and don't go to the doctor much then a higher deductible and no doctor visits might fill your needs thus saving you money.  On the other hand, if you go to the doctor more or have some medical issues then a lower deductible with doctor copays may be better for you which would be benefits that would raise your premium.  The last, and maybe the most important, is the provider network that is affiliated with the carrier and how big is it in your area because the premium savings you may have could be eaten up by a the high cost of a poor provider network.  If you have any questions or need more information please call Ronald G Hinch at 843-44450-9879.

   Answered on February 18, 2014

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