Getting married this year? Here’s what to consider.

Both you and your spouse need coverage. Deciding whether you choose one family plan or stay on separate plans depends on your coverage and cost needs. Here are a few tips to help you find plans that cover both of your needs.

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

What this means for you:
If you or your spouse prefer to see a specific doctor, specialist, or clinic, it’s important to consider which plans cover them in 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:
Consider what your care needs are to determine the right plan for you. Do you or your spouse take regular medications, have an upcoming surgery or plan on growing your family? Compare a family plan with two individual plans to see which covers your needs better. Some employers charge a penalty if you do not take advantage of your individual company’s plan, so check to see if your company is enforcing this policy.

 

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:
If you and your spouse are generally healthy, you might save money paying for a less expensive plan. If you plan to need more care this year, you may want to pay more for better coverage.

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.

 

 Read Next

Choosing UnitedHealthcare

UnitedHealthcare helps you balance cost and coverage.

Picking a Plan

Choosing UnitedHealthcare
UnitedHealthcare helps you balance cost and coverage.

Checklist to Pick a Plan
Find the right plan for you with this checklist.

 Getting Married Checklist
Decide which plans are right for you and your spouse.

Having a Baby Checklist
Understand what plan coverage you may need for pregnancy and delivery.

Changing Health Needs Checklist
Consider what plan coverage you may need for your health condition.

Health Insurance Made Easier

Understanding Coverage
How to plan for the coverage you need.

Sharing Costs
See how you and your plan share costs.

Terms to Know
Start talking the talk—and understand what it means for you.