There are three main factors to consider when choosing the best health insurance plan for family, for the sake of simplicity we call it 3C:
When considering each of these factors, you can choose the most appropriate plan for you and your family. So here's the tips.
You will want to see what your plan offers, whether there are limits on some types of services, or a limit on how many times you can use those services each year.
Find out what services are covered beyond basic care and what services are not covered. If you need a specific type of care, such as orthopedic services, make sure your plan offers that kind of coverage.
Find out if the plan limits which doctors, hospitals and other providers you can visit, for examples:
If you spend a lot of time out of the state where you live, find out if you can get health care services in other states and how the network of providers is outside your state.
Check coverage for prescription medicine. Make sure the medicine you take regularly are covered, and if there are discounts for generic medicine or if you can get your medicine by mail.
It is important to understand the costs of your coverage. They are :
You will see it when you buy coverage on your own or through your job, but not when you choose a Medicare plan. If you have health coverage and you have not seen the Summary of Benefits and Coverage, ask for a copy in the human resources department of your work or your insurance plan.
Providers who are outside the plan's network are doctors or other health professionals who are not part of your plan. Check if you have to pay more by visiting an out-of-network provider for your plan.
Health law makes it easier to understand the coverage and costs of health insurance plans and compare them. Now, all plans must use the Summary of Benefits and Coverage (SBC) form.
Use this Health Insurance Cost Calculator to get an estimated cost of financial aid for which you could qualify, and an estimated cost of how much your monthly premium would be if you purchase coverage through the Health Insurance Marketplace.
Thus the guide to find a health insurance plan for the family, may be helpful and provide benefits to you.
- Coverage,
- Costs, and
- Comparison between plans.
1. A Clear Understanding of the Coverage
Coverage means the range of health services offered by your health insurance plan, such as doctor visits, hospitalizations, maternity care, emergency room health care, and prescription medicine.You will want to see what your plan offers, whether there are limits on some types of services, or a limit on how many times you can use those services each year.
Find out what services are covered beyond basic care and what services are not covered. If you need a specific type of care, such as orthopedic services, make sure your plan offers that kind of coverage.
Find out if the plan limits which doctors, hospitals and other providers you can visit, for examples:
- If you have a preferred doctor, is it part of your insurance plan's network?
- What will happen if you want to see a provider who is outside the plan's network? Will you have to pay more?
- Are the doctors and hospitals that are part of the plan's network in a convenient location for you?
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| Good understanding about insurance coverage is necessary |
Check coverage for prescription medicine. Make sure the medicine you take regularly are covered, and if there are discounts for generic medicine or if you can get your medicine by mail.
2. Understanding the Details Regarding the Cost of Coverage
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| Is the cost is suitable for you? |
It is important to understand the costs of your coverage. They are :
- Premiums are the regular monthly payments you pay to your plan.
- The deductible is the cost you have to pay for health services each year before the plan begins to cover costs.
Let's say you have a $ 200 deductible. If you go to the doctor and the total cost is $ 250, you pay the first $ 200 to cover the deductible and the insurance company pays $ 50. Thus, you have covered the deductible for the rest of the calendar year.
There are some services you can receive without having to pay the deductible, such as preventive care. - Coinsurance or co-payment is the portion of the cost you will probably have to pay when you go to the doctor, get a prescription drug, or use another type of covered service.
Coinsurance is a percentage, such as 20% of the costs allowed for a doctor's visit.
For example, if the amount authorized by the plan for a doctor visit is $ 100 and you have already covered your deductible, your coinsurance would be $ 20.
The co-payment is a fixed monetary amount. For example, you may have to pay $ 15 for each prescription drug or each doctor visit.
Consider the Health Insurance Marketplace
If you need health insurance, you can buy one in the Health Insurance Marketplace. This market makes it easier for you to compare and buy plans and is also a way to answer any questions you may have about health coverage. Through the market, you can:- Try the online shop and get help over the phone or in person to find the right plan for you and your family.
- Compare health insurance plans based on benefits, costs and other features that are important to you.
- Find out what kind of financial aid you could get to purchase health coverage.
You will see it when you buy coverage on your own or through your job, but not when you choose a Medicare plan. If you have health coverage and you have not seen the Summary of Benefits and Coverage, ask for a copy in the human resources department of your work or your insurance plan.
Providers who are outside the plan's network are doctors or other health professionals who are not part of your plan. Check if you have to pay more by visiting an out-of-network provider for your plan.
3. Do a Comparison of Some Insurance Plans
Once you understand the coverage and costs of the health insurance plan, you can start comparing different plans and choose the one that gives you the best value for the coverage you need.Health law makes it easier to understand the coverage and costs of health insurance plans and compare them. Now, all plans must use the Summary of Benefits and Coverage (SBC) form.
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| Make comparisons and take decision |
Use this Health Insurance Cost Calculator to get an estimated cost of financial aid for which you could qualify, and an estimated cost of how much your monthly premium would be if you purchase coverage through the Health Insurance Marketplace.
Thus the guide to find a health insurance plan for the family, may be helpful and provide benefits to you.
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