Change in your health? Here’s what to consider.

Have you recently been diagnosed with a new health condition or plan to have surgery this year? Or you might be expecting a baby. Here are a few tips to help you choose a plan that offers the coverage you need.


1. Check to see if your doctor is in network.

What this means for you:
If you’re managing specific health needs, you may prefer to see a specific doctor, specialist, or clinic. It’s important to consider which plans cover them in the network.

Finding a doctor that’s in network may help keep costs lower. Check each plan’s network to see who is covered or if there is partial coverage for going out-of-network. If you’re considering a UnitedHealthcare plan, use the Provider SearchOpens a new window to find in network providers.

Finding a clinic or facility that’s in network may help keep costs lower. Check each plan’s network to see if they’re covered or if there is partial coverage for going out-of-network. If you’re considering a UnitedHealthcare plan, use the Provider SearchOpens a new window to find in network facilities.

·         Is your clinic in the network?

Finding a clinic or facility that’s in network may help keep costs lower. Check each plan’s network to see if they’re covered or if there is partial coverage for going out-of-network. If you’re considering a UnitedHealthcare plan, use the Provider Search to easily look up covered facilities.

 

·         Is your clinic in the network?

Finding a clinic or facility that’s in network may help keep costs lower. Check each plan’s network to see if they’re covered or if there is partial coverage for going out-of-network. If you’re considering a UnitedHealthcare plan, use the Provider Search to easily look up covered facilities.

 

2. Think about your care needs.

What this means for you:
With a new health condition, you may have frequent doctor visits and lab tests, take regular medications, or need to plan for surgery. Consider what your care needs are to determine the right plan for you.

If mostly for minor care needs:

You may need less coverage if you see the doctor occasionally for your annual checkup, minor illness or injury. To save money, you might choose the less expensive plan where you pay less in premiums in exchange for less coverage.

If mostly for major or frequent care needs:

You may need more coverage if you’re planning for a major procedure, seeing the doctor often or take specialty medications. To save money overall, this typically means paying more in premiums in exchange for more coverage from your plan. These plans usually have a lower deductible and out-of-pocket limit so that your plan can help you share costs faster.

Research what your care needs could cost on average, and consider choosing a plan with a lower deductible and out-of-pocket limit so that your plan can help you share costs faster.

Finding a clinic or facility that’s in network may help keep costs lower. Check each plan’s network to see if they’re covered or if there is partial coverage for going out-of-network. If you’re considering a UnitedHealthcare plan, use the Provider Search to easily look up covered facilities.

 

·         Is your clinic in the network?

Finding a clinic or facility that’s in network may help keep costs lower. Check each plan’s network to see if they’re covered or if there is partial coverage for going out-of-network. If you’re considering a UnitedHealthcare plan, use the Provider Search to easily look up covered facilities.

Whether you’re taking regular prescriptions or specialty medications, what they cost varies based on each plan. Check to see if the plan covers generic and brand name versions of the medication. Also make sure you receive your medications from a pharmacy that’s in network, otherwise they may not be covered or you may pay more.

Generally, the more people you have on your health plan, the more coverage you may want. Consider the needs of all family members covered by your plan.

3. Determine what cost savings matter to you.

What this means for you:
Getting the right care and coverage is important to help you manage your health condition. In the long run, paying a little more out of your paycheck to have insurance may help you save money overall paying for care services. 

If you don’t have any major care needs, you can save money by finding a plan that charges a lesser premium. This means, the plan will take less out of your paychecks to pay for insurance. Compare your plan options to see which plan’s premium amount requires you to pay the least.

To find a plan that helps you save money paying for care services, consider each plan’s copays to visit the doctor. In addition, compare each plan’s deductible, coinsurance and out-of-pocket limit to see which plans help you share costs faster. Researching these costs and understanding how you and your plan share costs together also helps you avoid cost surprises later.

Finding a clinic or facility that’s in network may help keep costs lower. Check each plan’s network to see if they’re covered or if there is partial coverage for going out-of-network. If you’re considering a UnitedHealthcare plan, use the Provider Search to easily look up covered facilities.

 

·         Is your clinic in the network?

Finding a clinic or facility that’s in network may help keep costs lower. Check each plan’s network to see if they’re covered or if there is partial coverage for going out-of-network. If you’re considering a UnitedHealthcare plan, use the Provider Search to easily look up covered facilities.

 

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