Choosing the right health plan is important. It can also be challenging. Today there are more choices and more kinds of health plans than ever before.
What services does the plan cover? What are the deductibles? Does it cover home care, chiropractic services, mental health services, or anything else that is particularly important to you?
Is there a certain doctor you’d like to choose, either for routine care or specialty care? Do you have to choose a physician from among those specified? Do you have a primary care hospital? If you have different rules for “emergency care” and “urgent care” how do you define the difference between the two?
Does your plan cover physicians who are located near your home or office? What is the procedure if you choose a physician and then find that you do not like him/her?
You will pay all or part of the premium directly or through payroll deduction, plus a visit fee, or co-payment, whenever you get care. If your coverage is through your employer, your benefits manager can tell you what your portion of the premium will be. If you are in a Medicare managed care plan, there may be no premium.
Put It All Together:
Is the combination of cost, quality, coverage and access to your preferred physicians or specialists, acceptable?