Choosing Your Health Insurance Plan

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Source: United Health Care.

Choosing a health plan is a pretty important decision — after all, it’s your way toward a healthier tomorrow.

[Tip 1: Provider Network]

A network is a group of providers and facilities who’ve been contracted to

deliver health care services, often at a discount. Getting care from within the network may help you save money. So, if there’s a provider you see regularly and want to keep seeing, it’s a good idea to first make sure they’re in the plan’s network.

 Provider type

  • Primary Care
  • Specialty Care
  • Medical Groups

Once you’re there, select the type of provider you’re looking for. Now you’re able to search for and view doctors, clinics and other providers in the network.

Tip 2: Care needs and plan year

Tip number two: think about the care you or your family may need in the plan year ahead. It can help you decide the level of coverage you may need.

 [Plan year]

For example, the more family members you have on your health plan, the more covered services you may want. Other reasons you may want a plan that offers more coverage? If you have major health care needs or see the doctor often, if you visit specialists throughout the year, if you take several medications or if you’re anticipating a change ahead, like a growing family or an upcoming surgery.

But, if you see the doctor occasionally, say for things like an annual checkup or minor illnesses, a health plan that offers less coverage may work well for you.

[Tip 3: Cost management]

Now onto tip 3: think about the way you prefer to manage your costs.

  •  Monthly premium
  • Copays and deductibles

Premium: Your monthly plan payment

What you may pay each time for certain covered services

Deductible: What you pay before your plan starts sharing costs

Some people manage costs by keeping their monthly premium payments low. Others prefer paying higher monthly premiums because it tends to lower other costs, like copays or deductibles.

  •  Deductible
  • Coinsurance
  • Out-of-pocket limit

Coinsurance: The percentage of costs you and your plan share

Out-of-pocket limit: The most you may pay for covered services in a plan year.

Another good idea is to compare health plan deductible, coinsurance and out-of-pocket limit amounts.

Knowing the differences can help you keep your costs in check — and know what to expect, too.

Tip 1: Provider network
Tip 2: Care needs
Tip 3: Cost management
Tip 4: Plan benefits

One last tip that may help? Take into consideration all the different health and wellness benefits and digital tools and resources, that come with your health plan at no additional cost to you. They’re included to help support your health journey and help you get the most out of your benefits.

With all these tips in your back pocket, you’ve got a better view of how to choose a health plan that best fits your needs. Now that’s a great way to put healthier on your horizon.

Contact Affordable Health Insurance Georgia today to see if you qualify based on your household income.

Tel. +1 678 382 9923. Visit our website to learn more.