Finding a good health insurance plan can feel overwhelming. Here are 8 questions to ask yourself in order to get a better picture of which option works best for you.
Are my Doctors In-Network? Some health care plans require you to use their network of doctors. If you have a physician that you would like to see or keep seeing, check first to see if your doctor is included in the health care plan you are considering.
Will I need a referral? Check to see if you will always need to contact your primary care physician before seeing a specialist. Also, if you already have a specialist, make sure they will be accepted.
Do I have a pre-existing condition and is there a waiting period? If you have a pre-existing condition, confirm how they will be covered and whether there are waiting periods.
Are the nearest Emergency Centers and Hospital In-Network? Make sure the nearest emergency rooms and hospitals are covered on your plan. Sometimes our definition of an emergency may not be the same as the health care plan you are considering and it may not be covered.
Does the plan cover regular physicals and health screenings? Most managed care plans cover these types of screenings annually, but there are some independent insurance plans that don’t cover them.
Are my prescriptions covered and are they subject to plan deductible? This coverage can vary greatly from plan to plan, so if you currently use prescription drugs on a regular basis or think you may need to in the future, it would be in your best interest to read the details.
What will it cost? In addition to what you pay monthly in health insurance premium, check to see if the plans you are considering have deductibles that you need to pay before the health care policy kicks in. There may be co-payments and/or you may have to pay a percentage toward health care after your deductible has been met. Also, check to see what the cost would be if you need to use a doctor, hospital, and/or specialist that is out of network.
Finally, some plans have a maximum amount that you will have to pay out of pocket. Also, some have lifetime or annual limits on how much the health care plan will pay.
What is excluded? The last thing to take into consideration when choosing your plan is the exclusions list. You will want to review each plan’s exclusions list to find out what is not covered and to see if any condition you currently have or expect to have in the future, is included on that list.
As always, if you have any questions feel free to contact us.