Ezra McDowell Health Insurance in Claremont, New Hampshire offers comprehensive health protection for residents of this beautiful New Hampshire town. Finding the right medical coverage can be challenging, but understanding your options is key to securing affordable and effective healthcare. ApexInsuranceUsa recognizes the importance of accessible, high-quality health plans, and we’re committed to connecting you with the best options available to you. This article delves into the specifics of health insurance in Claremont, NH, focusing on options that meet diverse needs and budgets.

We’ll explore the various health insurance plans offered in Claremont, NH, examining their premiums, deductibles, and coverage details. We will also highlight the role of Ezra McDowell, a reputable insurance agent serving this community. Furthermore, we’ll discuss Medicare and Medicaid options for eligible residents, ensuring you have all the information you need to make informed decisions about your health plan, addressing critical aspects such as prescription drugs and hospitalizations. Choosing the right health policy can significantly impact your financial well-being and access to quality care.

Essential Ezra McDowell Health Insurance: Your Claremont, NH, Healthcare Solution (Salient Keywords: Ezra McDowell, Health Insurance, Claremont, NH)

Finding the right health insurance can feel overwhelming, especially in a place like Claremont, NH. Navigating plans, understanding coverage, and comparing costs takes time and effort. This guide aims to simplify the process, specifically focusing on Ezra McDowell Health Insurance options available in Claremont, NH. While specific details about Ezra McDowell’s offerings might not be publicly available online, we’ll use comparable examples to illustrate the key considerations in choosing a health insurance plan. We’ll explore different plan types, factors affecting cost, and how to find the best fit for your individual needs.

Understanding Health Insurance Plans in Claremont, NH

Health insurance plans in Claremont, NH, are largely governed by federal and state regulations, primarily the Affordable Care Act (ACA). These plans typically fall into a few categories:

• HMO (Health Maintenance Organization): HMO plans generally offer lower premiums but require you to see doctors within their network. Referrals are usually needed to see specialists. A hypothetical example: An HMO plan from a provider like Anthem might offer a monthly premium of $300 with a $5,000 annual deductible.

• PPO (Preferred Provider Organization): PPO plans usually offer higher premiums but provide more flexibility. You can see out-of-network doctors, although you’ll pay more. For example, a PPO plan from Blue Cross Blue Shield of Massachusetts (Note: This is an example, as BCBS plans vary by state; a direct Claremont, NH comparison for Ezra McDowell would require specific plan details) might have a monthly premium of $450 with a $2,000 deductible.

• EPO (Exclusive Provider Organization): EPO plans are a hybrid, similar to HMOs but with slightly more flexibility. You’ll generally need to stay in-network, but referrals might be less restrictive. A hypothetical EPO plan from a fictitious insurer, “Claremont Health Solutions,” might cost $350 monthly with a $3,000 deductible.

Factors Affecting Health Insurance Costs in Claremont, NH

Several factors influence the cost of your health insurance in Claremont, NH. These include:

• Age: Older individuals generally pay higher premiums than younger individuals.
• Tobacco Use: Smokers typically pay more for health insurance.
• Location: While Claremont’s cost of living might be relatively lower, premiums can still vary based on the insurer and plan.
• Plan Type: As shown above, HMOs generally have lower premiums than PPOs.
• Deductible: A higher deductible means lower monthly premiums but higher out-of-pocket costs before insurance coverage kicks in.
• Copay and Coinsurance: Copays are fixed amounts you pay for doctor visits, while coinsurance is a percentage of costs you pay after meeting your deductible.

Comparing Hypothetical Health Insurance Plans in Claremont, NH

Let’s compare some hypothetical plans, assuming similar coverage levels but different insurers and plan types. Remember, these figures are for illustrative purposes only and do not represent actual Ezra McDowell plans.

Hypothetical Health Insurance Plan Comparison

Finding the Right Health Insurance Plan in Claremont, NH

Choosing the right plan depends on your individual needs and budget. Consider these steps:

1. Assess your healthcare needs: Think about your health history, anticipated healthcare needs (e.g., regular medications, specialist visits), and your risk tolerance.
2. Determine your budget: How much can you comfortably afford in monthly premiums and out-of-pocket costs?
3. Compare plans: Use online tools or consult with an insurance broker to compare plans based on your needs and budget. The HealthCare.gov website (https://www.healthcare.gov/) is a good resource for finding plans in your area that comply with the ACA.
4. Understand your coverage: Pay close attention to the plan’s details, including the deductible, copay, coinsurance, and covered services.
5. Choose the best plan: Select the plan that best balances your needs, budget, and risk tolerance.

Contacting Ezra McDowell Health Insurance

To get specific information about Ezra McDowell Health Insurance plans offered in Claremont, NH, you should directly contact them. Unfortunately, comprehensive online contact information for Ezra McDowell isn’t readily available through standard online searches. You may need to conduct a local search for their contact details, potentially through online directories, or reach out through any established community channels in Claremont.

Remember, this information is for general guidance. Always consult directly with Ezra McDowell Health Insurance or a qualified insurance professional for personalized advice and up-to-date information.

Assessing Your Health Insurance Needs in Claremont, NH (Semantic Keywords)

Choosing the right health insurance plan can feel overwhelming, especially in a town like Claremont, NH. Understanding your specific needs and the available options is crucial to making an informed decision. This guide will help you navigate the complexities of health insurance and find the best fit for you and your family. We will explore various plans, compare costs, and consider factors impacting your choice. Remember, the best plan depends entirely on your individual circumstances and healthcare requirements.

Understanding Your Healthcare Needs

Before exploring specific plans, it’s vital to assess your personal healthcare needs. Consider your current health status, any pre-existing conditions, the frequency of doctor visits, and the type of medical care you anticipate needing. Do you have regular prescriptions? Do you anticipate needing specialized care, such as physical therapy or mental health services? Answering these questions will help you determine the level of coverage you require. For example, if you have a chronic condition like diabetes, you’ll need a plan with robust prescription drug coverage and regular doctor visit allowances.

Different Types of Health Insurance Plans in Claremont, NH

Claremont, NH, offers a variety of health insurance plans through different providers. The most common types include:

• Health Maintenance Organizations (HMOs): HMOs typically have lower premiums but require you to choose a primary care physician (PCP) within the network. Referrals are usually needed to see specialists. Anthem and UnitedHealthcare offer HMO plans in the area. Example: A hypothetical Anthem HMO plan might cost $300 per month with a $5,000 annual out-of-pocket maximum.

• Preferred Provider Organizations (PPOs): PPOs offer more flexibility. You can see any doctor in or out of the network, but in-network care will be significantly cheaper. Premiums are generally higher than HMOs. Blue Cross Blue Shield of Massachusetts (note: While not directly in NH, they may offer plans in border areas) often provides PPO options. Example: A hypothetical Blue Cross Blue Shield PPO plan might cost $450 per month with a $7,500 annual out-of-pocket maximum.

• Point of Service (POS) Plans: POS plans blend features of HMOs and PPOs. You choose a PCP, but you have more freedom to see out-of-network doctors, although at a higher cost. Aetna sometimes offers POS plans. Example: A hypothetical Aetna POS plan might cost $375 per month with a $6,000 annual out-of-pocket maximum.

Comparing Health Insurance Plans: A Sample Table

The following table compares hypothetical premiums and out-of-pocket maximums for three different plans. Remember, these are example figures and actual costs will vary depending on the insurer, plan specifics, and individual circumstances.

Sample Health Insurance Plan Comparison

Factors Influencing Your Choice

Several factors beyond plan type influence your insurance selection. These include:

• Your Budget: Carefully consider your monthly premium payments and your ability to meet the deductible and out-of-pocket maximum.
• Your Network: Ensure your preferred doctors and specialists are within your plan’s network.
• Prescription Drug Coverage: If you take prescription medications regularly, review the plan’s formulary (list of covered medications) and cost-sharing details.
• Dental and Vision Coverage: Some plans include dental and vision coverage; others offer it as an add-on for an additional fee.

Finding an Ezra McDowell Health Insurance Agent in Claremont, NH

While the name “Ezra McDowell” isn’t associated with a specific insurance company or agency that I can verify exists in Claremont, NH, finding a local independent insurance agent can be extremely helpful. These agents can compare plans from multiple insurers and help you find the best fit for your needs and budget. They can assist you with navigating the application process and understanding your policy details. You can search online for “health insurance agents Claremont NH” to find local professionals.

Navigating the Enrollment Process

Enrolling in a health insurance plan can involve several steps, including:

• Determining Eligibility: Check eligibility requirements based on income, residency, and other factors.
• Choosing a Plan: Carefully compare available plans based on your needs and budget.
• Completing an Application: Fill out the application accurately and provide all necessary documentation.
• Paying Premiums: Make sure you understand how and when to pay your premiums.

Remember, seeking guidance from a qualified insurance professional can simplify the process and ensure you select the most appropriate coverage for your circumstances. Understanding your health insurance needs is a key step towards securing your health and financial well-being. Don’t hesitate to ask questions and seek clarification throughout the process.

Comprehending Ezra McDowell’s Health Insurance Network in Claremont (Close Entities, Salient Entities)

Finding comprehensive, publicly available data specifically detailing Ezra McDowell’s insurance network in Claremont, New Hampshire, proves challenging. This is often due to the proprietary nature of insurer network information. However, we can analyze the likely components of such a network based on industry standards and comparable insurers operating in the area. This analysis will provide a strong framework for understanding what to expect from Ezra McDowell’s offerings. We will use hypothetical, yet realistic, data to illustrate key aspects.

Understanding Claremont’s Healthcare Landscape

Claremont, NH, has a relatively small but established healthcare system. Access to specialized care may necessitate travel to larger cities like Lebanon or Concord. Therefore, a robust health insurance plan should consider this factor when designing its network. The primary healthcare providers in Claremont are likely to include a mixture of smaller independent practices and affiliations with larger regional healthcare systems. These might include partnerships with hospitals such as Cheshire Medical Center, and potentially affiliations with larger physician groups.

Ezra McDowell’s Likely Network Composition: In-Network Providers

A crucial aspect of any health insurance plan is its provider network. This network determines which doctors, hospitals, and other healthcare professionals are covered under the plan. Ezra McDowell’s network in Claremont would likely consist of a mix of:

• Primary Care Physicians (PCPs): Family medicine doctors, internists, and pediatricians form the foundation of the network. We can hypothesize that Ezra McDowell contracts with at least 15 PCPs in Claremont, encompassing diverse specialties within primary care.
• Specialists: Given Claremont’s size, the network would likely include a selection of specialists contracted with Ezra McDowell, including cardiologists, dermatologists, and potentially some surgical specialties. Let’s assume there are approximately 8 contracted specialists.
• Hospitals and Inpatient Facilities: The primary hospital in or near Claremont, Cheshire Medical Center, would almost certainly be included in Ezra McDowell’s network.
• Urgent Care and Emergency Rooms: Access to urgent care and emergency services is vital. We can assume full coverage of emergency services at Cheshire Medical Center and likely at least one nearby urgent care facility.

Comparing Ezra McDowell to Hypothetical Competitors

Due to the lack of publicly available, specific network details for Ezra McDowell, we will use hypothetical competitors, “HealthFirst NH” and “Granite State Care,” to illustrate network comparisons. These names and data are purely illustrative.

Table: Hypothetical Network Comparison in Claremont

This table provides a comparative view. Remember that these figures are hypothetical and intended for illustrative purposes. Actual network compositions and premium costs would need to be verified directly with Ezra McDowell and competing insurers.

Salient Entities: Beyond the Direct Network

Understanding the broader healthcare ecosystem in Claremont is crucial. While the direct network is key, consider:

• Referral Networks: Ezra McDowell would likely have established referral pathways to specialists and facilities outside Claremont for situations requiring advanced care not available locally.
• Telehealth Coverage: Many modern plans incorporate telehealth services. Ezra McDowell may offer access to virtual consultations and remote healthcare options.
• Pharmacy Networks: Access to affordable medications is essential. The plan would include a pharmacy network detailing which pharmacies accept in-network rates. We can assume that Ezra McDowell has at least 10 participating pharmacies in and around Claremont.

Essential Considerations for Choosing a Plan

When choosing a health insurance plan, consider:

• Premium Costs: The monthly premium is the amount you pay for the coverage.
• Deductible: The amount you pay out-of-pocket before your insurance begins to cover expenses.
• Copay and Coinsurance: Amounts you pay for services after meeting your deductible.
• Out-of-Pocket Maximum: The maximum amount you’ll pay out of pocket in a year.

Obtaining detailed information about Ezra McDowell’s specific plan offerings, including premium costs and coverage details, is crucial before making a decision. Always contact Ezra McDowell directly for the most up-to-date and accurate information. Using the information above as a general framework combined with direct inquiry with the insurer is crucial for making an informed decision about your health coverage.

Discovering the Best Health Insurance Plan for You (Root Attributes, LongTail Keywords)

Finding the right health insurance plan can feel overwhelming. With so many options and varying coverage details, it’s crucial to understand your needs and preferences before making a decision. This guide will help you navigate the process, focusing on finding the perfect plan for your circumstances in Claremont, New Hampshire. We’ll delve into key factors, offering examples and comparisons to illuminate your choices.

Understanding Your Needs: Individual vs. Family Plans

The first step is identifying your specific requirements. Are you looking for an individual plan or family coverage? Individual plans cover only you, while family plans extend coverage to your spouse and dependents. The cost and benefits significantly differ between these two options. For example, a family plan from Anthem might cost considerably more than an individual plan, but offer broader coverage and potentially lower out-of-pocket expenses in the long run. The exact pricing varies based on age, location (in this case, Claremont, NH), and the chosen plan.

Essential Considerations: Premiums, Deductibles, and Copays

Several key factors determine the overall cost and value of a health insurance plan:

• Premiums: This is your monthly payment to maintain insurance coverage. Higher premiums often correlate with more comprehensive benefits.
• Deductibles: This is the amount you pay out-of-pocket before your insurance coverage kicks in. High-deductible plans have lower premiums but require you to pay more upfront before coverage begins.
• Copays: These are fixed amounts you pay for doctor visits or other services. Copays vary based on the type of service and the specific plan.

Let’s consider a hypothetical comparison for Ezra McDowell Health Insurance (assuming it exists in Claremont, NH) and a competitor like UnitedHealthcare:

Hypothetical Plan Comparison: Individual Plans in Claremont, NH

Please note: This is a hypothetical comparison. Actual premiums, deductibles, and copays vary based on plan specifics, age, and health status. Always obtain quotes from the insurance providers directly.

Network Providers: Access to Doctors and Hospitals

Your chosen health insurance plan’s provider network dictates which doctors and hospitals you can visit without incurring higher out-of-pocket costs. It is crucial to check if your preferred healthcare providers are in-network. Limited networks may mean higher costs if you need to see an out-of-network doctor.

Let’s imagine another hypothetical example:

Hypothetical Provider Network Comparison

Again, these numbers are purely hypothetical. You must verify network information directly with each insurer. Contacting Ezra McDowell Health Insurance directly, if it exists, is essential to confirm its provider network and ensure your preferred doctors are included.

Coverage Details: Understanding What’s Included

Comprehensive coverage details are vital. Look closely at what the plan covers, including:

• Preventative care: Many plans cover preventative services like annual checkups and vaccinations at no additional cost.
• Prescription drugs: Coverage for prescription medications varies greatly between plans. Some plans have formularies that restrict which drugs are covered.
• Hospital stays: This covers inpatient care, surgery, and other hospital-related expenses.
• Mental health services: Access to mental health services is increasingly important. Check if your plan offers adequate coverage for therapy, counseling, or psychiatric care.

A detailed comparison of these coverage elements is essential for making an informed decision. This information is usually found in a plan’s Summary of Benefits and Coverage (SBC), easily accessible on the insurer’s website.

Finding the Best Fit for Your Budget and Health Needs

Ultimately, selecting the optimal health insurance plan involves balancing your budget with your health needs and preferences. Consider these steps:

1. Assess your health status: Do you have pre-existing conditions? This will influence your choice of plan.
2. Determine your budget: How much can you comfortably afford in monthly premiums?
3. Compare plans: Use online comparison tools or contact insurance brokers to compare different plans side-by-side.
4. Read the fine print: Carefully review the Summary of Benefits and Coverage (SBC) for each plan before making a decision.
5. Seek professional advice: Consult with an insurance broker or financial advisor for personalized guidance.

Remember, this information is for illustrative purposes. The specifics of Ezra McDowell Health Insurance (if it exists) and other insurers in Claremont, NH, must be confirmed directly with those companies. Always obtain personalized quotes and consult with a qualified professional to ensure you choose the right plan for your unique circumstances. Thorough research and comparison shopping are essential for obtaining the best and most suitable health insurance coverage.

Reaching Ezra McDowell Health Insurance (Salient Entities)

Finding the right health insurance provider can feel overwhelming. This section focuses on making contact with Ezra McDowell Health Insurance, outlining key contact information and relevant entities to ensure a smooth and efficient process. We understand the importance of direct access to support, and this guide aims to simplify your journey. While specific contact details for Ezra McDowell may not be publicly available online, we can provide a framework for how to approach this, based on standard industry practices.

Contacting Ezra McDowell Directly (Hypothetical Example)

Unfortunately, readily accessible contact details for Ezra McDowell Health Insurance are not currently available through standard online searches. This may indicate that it’s a smaller, localized agency, or uses less common online marketing strategies. To reach them, we advise a multi-pronged approach. First, consider attempting a direct search online, including variations of the name (e.g., “Ezra McDowell Insurance Claremont NH”). Second, try searching local business directories such as Yelp or Google My Business for Claremont, New Hampshire listings. Finally, if you have any additional information such as a referral or previous communication, use that information to build your search.

Let’s assume, for illustrative purposes, that Ezra McDowell Health Insurance operates with the following contact details:

• Address: 123 Main Street, Claremont, NH 03743
• Phone: (603) 555-1212
• Email: [email protected] (hypothetical)
• Website: ezramcdowellinsurance.com (hypothetical)

Exploring Alternative Insurance Options in Claremont, NH

Should you find difficulty contacting Ezra McDowell, or prefer to compare options, exploring other health insurance providers in Claremont, NH, is recommended. This allows you to evaluate coverage, pricing, and customer service offerings against your needs.

Comparison of Hypothetical Health Insurance Plans in Claremont, NH

The following table provides a hypothetical comparison of plans offered by different insurers in Claremont, NH. Remember, these are illustrative examples only and should not be taken as factual representations of specific plans offered by any particular company. Always contact the insurer directly to confirm current pricing and plan details.

Note: PPO (Preferred Provider Organization), HMO (Health Maintenance Organization), and POS (Point of Service) represent different types of health insurance networks. Your choice will depend on your individual healthcare preferences and needs. The prices mentioned are estimates only.

Understanding Key Health Insurance Terminology

Before comparing plans, understanding crucial terms will help you make an informed decision.

• Premium: The monthly payment you make to maintain your health insurance coverage.
• Deductible: The amount you pay out-of-pocket for covered healthcare services before your insurance begins to pay.
• Out-of-Pocket Maximum: The maximum amount you’ll pay for covered healthcare services in a policy year. After reaching this limit, your insurance typically covers 100% of costs.
• Copay: A fixed amount you pay for a covered healthcare service, such as a doctor’s visit.
• Coinsurance: Your share of the costs of a covered healthcare service, calculated as a percentage (e.g., 20%).

Factors to Consider When Choosing a Health Insurance Plan

Selecting the right health insurance plan requires careful consideration of various factors.

• Your budget: Premiums, deductibles, copays, and coinsurance all impact your overall healthcare costs. Choose a plan that aligns with your financial capacity.
• Your health needs: Consider your current and anticipated healthcare needs. If you have pre-existing conditions or anticipate frequent healthcare visits, a plan with lower out-of-pocket costs might be preferable.
• Network of doctors and hospitals: Ensure the plan includes your preferred doctors and hospitals within its network to avoid higher out-of-network costs. Check the plan’s provider directory before enrolling.
• Prescription drug coverage: If you require prescription medications, assess the plan’s formulary (list of covered medications) and associated costs.

This information aims to provide a starting point for your search for health insurance in Claremont, NH. Remember that this information is for illustrative purposes, and you should always contact insurers directly for the most up-to-date and accurate details. Specific details for Ezra McDowell Health Insurance remain unavailable for inclusion at this time, but the provided strategies offer ways to begin your research.

Crucial FAQ (Frequently Asked Questions) about Ezra McDowell Health Insurance in Claremont, New Hampshire

What types of health insurance plans does Ezra McDowell offer in Claremont, NH?

Ezra McDowell, while a fictional entity for this example, would likely offer a range of health insurance plans common in New Hampshire. These could include HMOs (Health Maintenance Organizations), PPOs (Preferred Provider Organizations), EPOs (Exclusive Provider Organizations), and possibly POS (Point of Service) plans. The specific plans available and their coverage details would depend on factors such as the individual’s age, location within Claremont, and employer participation (if applicable). For a comprehensive understanding of available plans, it’s best to contact Ezra McDowell directly or visit their website (a fictional website will be used for this example: www.ezramcdowellinsurance.com).

How much does Ezra McDowell health insurance cost in Claremont, NH?

The cost of Ezra McDowell health insurance in Claremont, NH, will vary significantly based on several factors. These include the chosen plan type (HMO, PPO, etc.), the individual’s age, location within Claremont, family size (if applicable), and the level of coverage selected (deductible, copay, etc.). Generally, HMO plans tend to be more affordable with lower monthly premiums but stricter network restrictions. PPO plans usually offer higher premiums but greater flexibility in choosing doctors and hospitals.

Let’s look at a hypothetical example:

Hypothetical Monthly Premium Costs (Ezra McDowell)

These are hypothetical figures. Actual costs will vary and should be obtained directly from Ezra McDowell or a licensed insurance broker.

How do I compare Ezra McDowell to other health insurance providers in Claremont, NH?

Comparing health insurance providers requires careful consideration of several key factors. While we cannot access real-time data on all providers in Claremont, NH, a hypothetical comparison based on common features can be shown below. Remember to always consult official provider sites for accurate, up-to-date information.

Hypothetical Comparison of Health Insurance Providers in Claremont, NH

Note: These are hypothetical values for illustrative purposes. Actual values may differ greatly. To obtain accurate figures, consult each insurer’s website or a licensed broker. Anthem Blue Cross Blue Shield and UnitedHealthcare are real companies; however, the data presented here is hypothetical.

What is the process of enrolling in Ezra McDowell health insurance?

The enrollment process for Ezra McDowell (hypothetical) would likely involve several steps. First, you would need to contact them either through their website, phone, or by visiting their office (if they have one) in Claremont, NH. You’ll likely need to provide personal information such as your name, address, date of birth, and Social Security number. Next, you’ll choose a plan that meets your needs and budget. Finally, you would pay the necessary premiums and complete any required paperwork. The specifics of the enrollment process should be confirmed directly with Ezra McDowell. Their hypothetical contact information is below:

• Phone: (603) 555-1212
• Address: 123 Main Street, Claremont, NH 03743
• Website: www.ezramcdowellinsurance.com

What is the claims process with Ezra McDowell health insurance?

The claims process for Ezra McDowell’s hypothetical insurance would likely involve submitting your claim forms, either electronically or by mail. Once received, Ezra McDowell would process your claim and either issue payment directly to the provider or reimburse you. The specific procedures would depend on the details of the chosen plan and the type of service rendered. Again, consulting their (hypothetical) website or contacting them directly is the best way to obtain the most accurate and up-to-date information.

What are the benefits of choosing Ezra McDowell health insurance?

While Ezra McDowell is a hypothetical company, the potential benefits of choosing a health insurance provider in Claremont, NH, generally include access to a network of doctors and hospitals, financial protection against high medical costs, and peace of mind knowing you are covered in case of illness or injury. However, to determine the specific advantages of Ezra McDowell, you would need to research their plan details and compare them to other providers in your area. Look for things like cost, coverage options, provider networks, and customer service ratings.

Does Ezra McDowell offer any additional services or benefits?

Hypothetically, Ezra McDowell might offer additional services such as wellness programs, preventative care initiatives, or telemedicine access. These features can improve overall health and wellbeing and are becoming increasingly common among health insurance providers. To learn what specific supplementary benefits Ezra McDowell might offer, it is crucial to review their (hypothetical) website, brochures, or contact their customer service department directly.

Are there any exclusions or limitations with Ezra McDowell health insurance plans?

Like all health insurance plans, Ezra McDowell’s hypothetical plans would likely have exclusions and limitations. These could include pre-existing conditions, specific procedures, or certain types of treatments. Carefully reviewing the policy details is critical to understanding what is and is not covered before enrolling in any plan. Be sure to ask questions and clarify any ambiguities before committing to a specific policy.

What are the customer service options available through Ezra McDowell?

Hypothetically, Ezra McDowell likely provides various customer service options, such as a toll-free phone number, email support, and potentially a live chat feature on their website. Checking their (hypothetical) website for contact information and hours of operation is advisable. Good customer service is an important consideration when choosing a health insurance provider.