Five things to Consider When Choosing a Health Insurance Plan
I: Health Benefits: Find out which plans have the health benefits that you would consider to be essential. Common sense dictates that you should only buy what is necessary to keep your costs down, if prescription drugs are frivolous, then exclude them as a benefit.
II: Price: Using simple mathematics, which health plans can you afford after deductibles, coinsurance, co-payments and premiums are considered? If you wish to have a low premium, try to get a plan with a high deductible stipulation. Perhaps it would be financially prudent to split up your family into different plans.
III: Doctors: Is there a particular physician that you wish to remain with? Are there any specific plans that they are a staunch advocate of? You can make use of INSURE’s tools to find which plans are accepted by a particular doctor.
IV: Brands: Do you have a favorite brand/company, or one that you would rather stay away from?
V: Reviews: With INSURE, you can look at various reviews of the health insurance plans available, noting those which carry an AM Best rating. This rating takes into account a company’s credit rating, and how easily they can afford to pay claims.
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