Skip to content

8500 Menaul Blvd NE Ste B555
Albuquerque, NM 87112

Get Directions

Questions to ask before you choose your health insurance

Health insurance coverage is so important, probably more important than any other type of insurance. Your healthcare for the next twelve months depends on you making a good decision.  At J.B. Martin Insurance Agency, serving New Mexico and Arizona, we want to help you to make the right decision. We do that by giving you more choices from the many carriers that we offer. 

Questions to ask before you choose your health insurance

Is my preferred doctor in Network?

This is one of the most important questions and should be asked immediately. If the answer is no and you want to keep this doctor, then you need to find another plan. Depending on the type of managed plan you have, you may still get partial payment for any visits to your preferred doctor. 

What is my yearly deductible?

High deductible health insurance has gotten very popular mainly because of its affordability. It is a fine line to make sure that you get the best deal but also have insurance that will actually cover you. With a high deductible policy, you may be eligible to have an HSA to help to pay for your medical expenses tax-free while you are meeting your deductible. 

Does my policy include prescription medication?

It sounds like something that should be a given with a health insurance policy, but it isn’t. Not every insurance policy includes prescription coverage for every drug.  You need to check the formulary that comes with the insurance so that you can check the price for the drug you are interested in. 

What is my monthly premium? 

While your health insurance has to be affordable, it shouldn’t be the most important thing when checking for the right coverage. It is just one of several considerations that need to be taken into account. 

Give Us A Call

Contact J.B. Martin Insurance Agency, serving residents in New Mexico and Arizona, to discuss your health insurance needs. 

Our Partners

  • Chubb Group Of Insurance Companies
  • Guard
  • Hagerty Insurance
  • Liberty Mutual
  • Nationwide
  • Safeco
  • The Travelers Co
  • Union Standard
  • United Fire Group
BannerImg
  • Mexican Insurance
  • Legal Shield

Our Services

  • Personal Insurance
    • Auto
    • Home
    • Renters
    • Umbrella
    • Watercraft
    • Motorhomes
    • Scheduled Property (Inland Marine)
    • Motorcycle
  • Commercial Insurance
    • Term
    • Whole
    • Universal
    • Variable (Life & Annuities)
    • Annuities
  • Health Insurance
    • Traditional
    • Short Term
    • Medical Savings Accounts
    • Medicare Supplements
    • Long Term Care
    • Trip/Accident Coverage
  • Retirement Plans
    • Traditional IRA
    • Roth IRA
    • Simple IRA
    • Annuities
    • 401k
    • Long Term Care
  • Group Insurance
    • Life
    • Health
    • Dental
    • Payroll Deduction Programs
    • 401k
    • Simple IRA
  • Financial Planning
    • Financial Needs Analysis
    • Life Insurance Planning
    • Retirement Planning
    • Long Term Care Planning