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At the Martin Insurance Team, we know that it can sometimes be a bit difficult for Evergreen Park, IL residents to choose between high or low health insurance deductible. Here are three tips for choosing the right health insurance deductible for your needs.
Tip #1: Consider Your Current Health
The first thing to consider is your current health. While having insurance is great in case you have a sudden accident, it is important to take into account your general medical state first. Most people who rarely become ill should consider a higher deductible than those with chronic health problems.
Tip #2: Think About Family Planning
Are you currently pregnant or planning to have children within the next year? If so, you’ll want to think about having a lower health insurance deductible. Pregnancy comes with many types of prenatal care appointments and lab testing that can add up quickly—even before the delivery!
Tip #3: Look at Your List of Prescription Medications
It’s also important to look at your list of prescription medications before choosing a health insurance deductible. If you currently take numerous medications or those that cannot be ordered generic, it might be a good idea to consider a low deductible health insurance plan.
Of course, these aren’t the only things to consider when selecting health insurance coverage. You’ll also want to look at other aspects, such as maximum out-of-pocket cost and whether certain routine or preventative services are covered. In many instances, this can be a great way to save money without having to pay more than you have to for coverage.
Need further advice on choosing the right health insurance plan for your needs? The Martin Insurance team can help! Contact us today to schedule a no-obligation coverage review at our Evergreen Park, IL location.
