Group Health insurance in Washington is there to assist your employees with the costs of medical care when someone falls ill or suffers an injury. From preventive medicine, such as getting a flu shot or having your blood pressure checked, to surgeries and overnight stays in the hospital, you're going to need financial help when the bill comes due.
That's why purchasing a comprehensive or supplemental health insurance policy from ASKE Insurance Advisors is a sound investment in your employees future. Here's what you need to know to get the best coverage:
Is There a Copay?
Your copay is the amount of money you're required to pay anytime you or a family member arrives for an office visit. Some policies require a copay; others do not. Your copay is typically a small fraction of the amount you would pay if you showed up at your visit uninsured.
What's the Deductible?
Your deductible is the amount of money you must pay out-of-pocket before the insurance company begins providing coverage. After your deductible has been met, your policy may cover up to 80-percent of most medical expenses you incur. Deductibles vary by policy and household, as does the percentage the insurance company is willing to pay after they've been met. A higher deductible lowers your premiums, in most situations.
What About Prescriptions?
Prescription coverage is a huge perk to have, especially if you or someone in your family takes a maintenance drug. The costs associated with buying prescription drugs now takes up nearly 20 percent of a family's total health care costs. Many health insurance policies have provisions for prescription drugs. We'll help you find the one that's right for you.
Give ASKE Insurance Advisors a call when you're ready to explore your health insurance options in Washington. Our talented team of friendly agents will help you find the best coverage for your family at an affordable price.
