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3: Analyze Your Circumstances

Compare Your Health Insurance Options

The best choice for health care coverage isn’t always the lowest-cost option. Knowing you can go to your regular provider(s), having prescription coverage for high-priced (nongeneric) drugs and keeping coverage for specific conditions can mean you pay more in a monthly premium. Once you narrow down your health care plans, consider the following questions to help you decide.

  1. What kind of plan is it?
  2. Does the plan fit your list of “must-have” items? What about the “would like” items?
  3. Are your doctors and other providers covered by the plan?
  4. Will you need referrals to see specialists?
  5. Are current prescriptions for your family covered?
  6. What options exist in the plan to lower prescription costs?
  7. Do any of the restrictions or exemptions identified in the plan apply to your family?
  8. What will your total out-of-pocket expenses be for the year? This includes premiums, deductibles, copays, coinsurance, exemptions, out-of-network, etc.
  9. What other information do you need to make a decision and who can help you get the information?
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