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MSM Insurance Agency Inc

78 John Miller Way
Ste 1014
Kearny, NJ 07032

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The Importance of Preventive Care: How Health Insurance Supports Wellness

At MSM Insurance Agency Inc., serving the area of Kearny, NJ, we believe that staying healthy involves more than just treating illnesses—it’s about preventing them. Preventive care plays a critical role in maintaining well-being, and health insurance can be a powerful ally in this journey.

Why Preventive Care Matters

Preventive care includes services such as regular check-ups, screenings, and vaccinations that help detect or prevent serious health issues. Focusing on prevention can catch potential problems early, often before symptoms appear. This proactive approach keeps you healthier and saves money on medical expenses in the long run.

How Health Insurance Supports Your Health

Health insurance plans often cover a wide range of preventive services at no additional cost. This means you can access routine screenings, immunizations, and annual wellness visits without worrying about co-pays or deductibles. By taking advantage of these benefits, you can stay on top of your health and make informed decisions with your healthcare provider.

Building a Healthier Future

Engaging in preventive care can lead to a healthier lifestyle overall. Regular interactions with healthcare providers encourage you to maintain healthy habits, manage stress, and make informed lifestyle choices. With the support of your health insurance plan, you’ll have the resources you need to prioritize your health.

Take the Next Step By Reaching Out to Us Today

At MSM Insurance Agency Inc. serving the greater community in and around Kearny, NJ, we are committed to helping you understand the benefits of preventive care. Learn how your health insurance plan can support your wellness journey. Let us guide you towards a healthier, happier life. Together, we can build a future where wellness is within reach for everyone.

Health Insurance Does More than You Know

Even in today’s employment environment of freelance, hybrid, remote, and gun-for-hire workers, most successful people have worked for over a few decades. That means there is a good chance you will also get sick at some point during your career. The good news is, if you work in or around Kearny, NJ, and need health insurance, the friendly and professional team at MSM Insurance Agency Inc. can help with health insurance solutions if you get sick and miss work. 

The Benefits of Health Insurance Solutions

Yes, most people know that if they get sick and have to miss a little or even an extended period of work, then health insurance can help. Health insurance is the safety net people and families rely on everywhere because getting sick and being unable to work doesn’t prevent the bills from coming. 

Many people don’t think much about, however, the other benefits of having the right health insurance plan. None of us wants to get sick, which is also why so many people invest in a healthy lifestyle and get screenings and exams. The right health insurance plan can also help support these areas. Health insurance can also provide greater access to healthcare and healthcare options.

The key is finding the right health insurance plan and solutions for you and your needs. That is also where the caring and knowledgeable team at the MSM Insurance Agency Inc. can offer the solutions, coverage, and peace of mind you want and deserve. If you live in the Kearny, NJ, area and have questions about health insurance, contact us to learn more and get the health insurance solutions you need today. 

3 Facets Of Health Insurance Everyone Should Know

When you go to the doctor’s office, you expect to have the visit covered, pay the co-pay, and have any drugs prescribed covered. You use a doctor inside the insurance company’s preferred network. What else do you need?

Health insurance involves the cost of a doctor outside the network without a referral, drugs that aren’t covered, out-of-pocket costs, and more. When you’re searching for the right Newark, NJ health insurance for you and your family, MSM Insurance Agency Inc. wants you to look for these things.

Health Insurance: What To Look For

Networks

Going to any old doctor when you’re sick will cost more. HMOs and PPOs prefer that you use their doctors. Their doctors prescribe drugs for which they will pay. You may or may not need a referral to see a specialist. This is called a network. If you use a doctor outside the insurance company’s network, you’ll pay more or all of it.

Paying For Healthcare

If you choose to pay higher premiums, then your out-of-pocket costs like copay and coinsurance will be lower. If you’re in the Newark, NJ ER or doctor’s office a lot, this would be a good idea. Alternatively, paying lower premiums with higher out-of-pocket costs would be better if you’re rarely sick and/or can’t pay the higher premiums. Also check if the plan covers specific medications such as diabetic meds, heart attack meds, and such.

Drugs

Prescription drugs are approved or not by insurance companies. They have a list of covered prescription drugs. Your primary care physician will fill out a form explaining why you need the drug before the insurance company will okay the prescription. If the medical need is severe, your doctor will file an exception with the insurance company.

Schedule A Consultation Today!

Figuring out health insurance is a matter of knowing what your needs are, what the insurance company covers, and how much you can afford to pay. MSM Insurance Agency Inc. is here for you when you have questions, so give us a call or drop by the office.