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