Details to Consider When Comparing Health Insurance Plans
Filed under: Health Insurance
Is it time to choose a new health insurance plan for your family? As you begin the process of comparing coverage, you will see that there is a wide range of options available. How do you pick the plan that will best meet your needs? Here are a few things that you should consider before you choose an insurance plan:
Jonathan Nolan, JPN Insurance
Deductibles and Copays
The deductible is an annual out-of-pocket amount that needs to be paid by you if medical care is needed. Once this deductible has been met, then many insurance plans offer more coverage. If you don’t visit the doctor often, then a high deductible plan might be the best solution for your family. These plans tend to have lower monthly premiums, so you can save money on your monthly costs while still having the coverage that is needed if a big health challenge occurs.
A copay is an amount that you will pay each time you visit the doctor, go to the hospital, or pick up a prescription. It is important that you consider the copay amount so that you have the cash available for these appointments. Families with consistent doctors’ appointments might consider choosing a plan with lower copays to reduce out-of-pocket costs.
In-Network Doctors
If you want to maintain consistency by visiting the same doctor, then you need to make sure that the doctor is in-network with your new health insurance plan. Many insurance companies require that you visit doctors on a list of in-network providers. So, check with the new plan to see if your physician is on this list.
The health care plan will provide details about in-network options, making it easy to pick a new doctor if you need to make a change. Consider location and availability when choosing a new doctor.
Plan Coverage
The coverage details can vary depending on the type of insurance plan that you pick. Ask questions about coverage for prescription drugs, emergency care, pre-existing conditions, maternity, specialists and more. Some insurance companies will also offer additional services including chiropractic care, mental health care, hospice, and other options as needed.
The easiest solution to pick a health insurance plan for your family is to talk to an expert in the industry. Contact JPN Insurance Services to learn more about the options that are available: (951) 443-9925
