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What do I need to consider when choosing a health plan? |
Answer:
Choosing a health plan that is right for you is a matter of weighing your needs. Cost, benefits, and access to service are the key elements you should consider when making your selection. You will arrive at the right plan if you carefully identify your most important needs by answering the following questions.
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Cost
- What are the monthly premiums of each plan?
- What price is within my budget?
- Do I need to pay a deductible before the insurance tarts to cover my medical expenses?
- What percentage of the cost will the insurance company cover after my deductible has been met?
- Can I afford to pay for the maximum out-of pocket expense for the chosen plan?
- How much do I need to pay for each doctor visit?
Benefits
- What health care services does each plan cover?
- What are the limitations on the amount of coverage if I choose a lower premium plan?
- Does the plan cover prescription medication? Preventive care? Maternity?
- Do I need a plan that covers only basic or most of my medical expenses?
- Do I need health insurance for my whole family or just for myself?
Access of Care
- What doctors and hospitals are part of the plan?
- Are the health care facilities at a convenient and accessible location?
- Will I need to obtain a referral before I see a specialist?
- Do I have the freedom to choose any health provider?
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