While you might faithfully be exercising, getting adequate sleep, and taking healthy meals, diseases can still wreak havoc on our health. And if it’s not a disease, injuries can strike, leading to hospitalization. Because you can’t prevent illnesses and injuries 100 percent, you need health insurance to protect you when the unthinkable happens.

When you get health insurance from Colling Insurance Services Inc. of Lakewood CO, your medical costs are taken care of. You also prevent future illnesses by accessing preventive and routine healthcare, like vaccinations and periodic checkups. Now that you know the importance of health insurance, here are three facts you need to know before going ahead to purchase one.

Your doctor may not be covered

Various health insurance plans have varying health providers’ panel lists. As such, if you would like a specific doctor, check whether they are covered under the health insurance plan you have your eyes on. HMOs are the most limiting, restricting you to doctors within their network. PPOs give you the liberty to go outside their network, but at a higher fee.

Not all medications are covered

Just like doctors, not all treatment procedures and medications are covered in your health insurance plan. Most dental procedures aren’t covered by insurance. That said, you might want to buy a dental insurance cover for optimal dental care coverage. 

Alternative treatment procedures like acupuncture and chiropractic care may also not be covered by some health insurance plans. Be sure to check with your agent before you get a surprise after the procedure.

The lowest premium plan may not be the most affordable

With health insurance, there is a lot that determines the ultimate cost. Variables like deductibles, co-payments, and co-insurance payments can quickly add up, eating up any savings made in the monthly premium payments. 

Are you looking for health insurance coverage in Lakewood, CO? Please contact Colling Insurance Services Inc. today for all your health insurance solutions.  

Everyone needs a great smile. But catering for dental emergencies and annual cleanings or preventative care can get costly for out-of-pocket payers. The Colling Insurance Services Incorporation (CIS Inc.) provides a perfect solution for such Lakewood CO residents by offering them vital dental insurance policies. Having such a cover would be beneficial to you, but if you had the cover’s benefits, would you know which plan is ideal for you, or what’s in its fine print?

What Would a Typical CIS Inc. Dental Plan Cover? 

The typical dental insurance policy covers often cater to a part of the preventative oral care you’ll need. The policies also cover tooth extraction, oral surgery, root canals, crowns, and fillings. The covers might also take care of prosthodontics, including bridges and dentures, which ensure that your teeth are well-aligned. You may also get a cover that takes care of the supportive structures, which hold your teeth in place (Periodontics and Orthodontics). 

What Structure of Coverage Can You Get?

Many plans don’t cover all procedures to the same level. For instance, preventive care may get 100% coverage, whereas; major dental procedures may get 50% coverage. Still, some dental covers may fail to cover dental procedures such as teeth whitening, sealants, and cosmetic procedures. You may also make some co-payments to get some procedures done. You should also note that most covers have a cap or limit of the dollar amount they can cover in a year. As such, read the fine print well to know what you’ll get or won’t get from a Colling Insurance Services Inc. cover.

Why Do You Need a Dental Cover?

Dental covers from Colling Insurance Services Inc. are vital because they give Lakewood, CO residents access to emergency dental care and affordable dental care. Your monthly premium levels will often depend on the type of dental coverage plan you get, your location, and the insurance company that covers you. 

For more information about dental insurance in Lakewood, CO, reach out to us.