How to choose a health insurance plan
Choosing health insurance that’s right for you
There are many different types of health insurance plans you can choose. During the open enrollment period each year, you can shop, compare health insurance plans and decide which one is right for you.
Want help with choosing a plan? Let’s get started.
Choosing a health plan can be confusing. Here are some questions to ask when you’re deciding which plan to choose.
How do you like to work with your doctor?
With some plans, you’ll choose a doctor to work with and help manage your care. That’s called a Primary Care Physician (PCP). If you need to see a specialist, you’ll often need a referral from your PCP. With other plans, you can go directly to a provider in your network to make appointments. Decide if you prefer to work with the advice of a PCP or manage specialists on your own.
Where do you want to get your care?
Depending on the type of health insurance you choose, you’ll probably need to work within a network to get your care. Networks are the groups of doctors, clinics and hospitals your insurance covers. When you go to providers in your network, you’ll save money.
Check the provider directory before you choose a health plan so you’ll know the doctors, clinics and hospitals that are considered in-network– especially if you prefer to work with certain providers.
What kind of coverage do you need for prescription medications?
Each plan has a list of medications that are covered. This is called the Prescription Drug List. If you have medications you take on a regular basis, check the list so you’ll know your costs and possible deductibles before you choose your plan.
What’s covered and what’s not?
Every plan has limitations. That means not everything will be covered. Take a look at each plan you’re considering so you know the costs, deductibles, copayments and overall benefits of the plan.
It’s important to know the limits of a plan before you choose. For example, elective, cosmetic or alternative therapies are common treatments that are not generally covered by health plans when they are not considered medically necessary.
Vision and dental services are covered under some plans. But you may need to buy an extra plan to cover these services. Check to be sure before you choose a plan.
If you’re looking for ACA plans from the Health Insurance Marketplace or have questions, call 800-980-5213.