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Choosing a Health Insurance Plan Aberdeen SD

Your doctor can actually be a very good source of information. They deal with the various health insurance plans all the time. Ask them what their experience has been with any particular plan.

Simplified Life Insurance
(605) 413-4133
4300 S. Louise Ave. STE 101
Sioux Falls, SD
 
American Family Insurance
(605) 886-8240
306 9th Ave NE
Watertown, SD
 
Farm Bureau Financial Services Mark Giziewski
(605) 665-8343
603 W 21st St
Yankton, SD
 
Freimark Associates Inc
(605) 882-1688
PO Box 784
Watertown, SD
 
Kundert Williams Insurance Agency
(605) 256-6608
122 W Center St
Madison, SD
 
Hagen Insurance Agency
(605) 225-6260
404 S Lincoln St
Aberdeen, SD
 
Insurance Services (Todd Graber)
(605) 925-4128
913 E 6th St
Freeman, SD
 
Smith Insurance Agency
(605) 363-3888
1003 W 2nd Ave
Humboldt, SD
 
Olson Group the
(605) 335-7777
PO Box 89727
Sioux Falls, SD
 
Wilde Dean L Agency
(605) 338-8951
115 W 39th St
Sioux Falls, SD
 

Choosing a Health Insurance Plan

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Is This a Health Insurance Plan I Can Live With?

It's up to you to do some research. Health insurance is important to you and your family day in and day out. It may be costly or inconvenient to change health insurance plans. So, check everything out.

You want a health insurance company that's stable. It's not in your best interest to find out that you need a major surgical procedure and then find out that your health insurance company is insolvent.

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You also want a good health insurance plan that covers the right care. Check with neighbors, family members and friends. Who are they insured with? What kind of plan do they have? Are they happy with it?

You particularly want a health insurance company that treats clients fairly when they are making a claim. With health insurance you could be making claims on a fairly regular basis depending on your deductible and the type of insurance plan. You'll be happier if you have a health insurance company who deals promptly and courteously with claims.

You can also check for the health insurance company's rating (or plan's rating) with both government and non-government organizations. Take a look at the National Committee for Quality Assurance which issues a Consumer Assessment of Health Plans report for every health insurance plan and facility. Their site is: www.ncqa.org .

Has the health insurance plan, you are interested in, received any accreditation? You can check the website of the Joint Commission on Accreditation of Healthcare Organizations at www.jcaho.org .

Your doctor can actually be a very good source of information. They deal with the various health insurance plans all the time. Ask them what their experience has been with any particular plan. You may find out that they are not covered under the medial insurance plan you are considering - and they may be able to recommend another health insurance plan under which they would be covered.

A very good indicator of the 'good service' of a health insurance plan is the rate at which people drop out of the plan. You can often get information on 'disenrollme...

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South Dakota State Mandated Health Insurance Coverage

Medical insurance benefits that insurers must provide include: alcohol/substance abuse, breast reconstruction, chiropractor, dental anesthesia, dentist, dependent coverage (including newborns, adopted children, dependent students/adults, disabled dependent adults), diabetes self-management and supplies, emergency room service, licensed health professional, mammography, maternity minimum stay, mental health, nurse (midwife, practitioner, anesthetist), off-label drug use, optometrist, osteopath (D.O.), PKU/metabolic disorder, podiatrist, prostate cancer screening, psychologist, social worker

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