Selecting a Health Insurance Plan
Things you should consider when shopping for a health insurance plan for you and your family.
- Make sure your family doctor or any specialists that you typically use or plan to use in the future are in the network. Co-pays and co-insurance percentages will be higher to utilize service from out of network doctors. Some health plans may not provide any out of network benefits.
- If possible, research your health care spending done in previous years and figure out what you might need going forward (i.e. if you see that you rarely if ever require prescription drugs, it might not make sense to enroll in a health plan that includes prescription drug benefits if the additional expense is high.)
- If your health care utilization is typically low, and your family is in good health, a high-deductible health plan might be a good option.
- If your spouse has health insurance coverage through his or her employer, check to see if the portion on the monthly premium that the employee pays is more or less than what you would pay with your employer sponsored plan or individual health insurance plan.
- Does the health insurance plan offer a wellness plan, or alternative medicine discounts which could save you money.
You can shop and compare individual health insurance plans here at healthinsurancesort.com. Some other resources that might be useful include your state department of insurance, or if age 65 or older, www.medicare.gov.
