If your employer gives you a choice of plans or you need to purchase your own coverage, it is crucial that you understand your health care plan choices and pick the helath care plan that is best for you and your family. Here are some questions you should ask yourself when choosing a health care plan:
- How affordable is the cost of care?
- What is the monthly premium I will have to pay?
- What deductibles will I have to pay out-of-pocket before the health care plan starts to reimburse me?
- After I've met my deductible, what percentage of my medical expenses are reimbursed?
- How much less am I reimbursed if I use doctors outside the the health care plan's network?
- Does the health care plan cover the services I am likely to use?
- Are the doctors, hospitals, laboratories and other medical providers that I use in the health care plan's network?
- Am I willing to switch to network participating providers in order to reduce my out-of-pocket costs?
- If I want to use a doctor outside the network, will the plan permit it?
- How easily can I change primary-care physicians if I want to?
- Do I need to get permission before I see a medical specialist?
- What are the procedures for getting care and being reimbursed in an emergency situation, both at home or out of town?
- If I have a pre-existing medical condition, will the plan cover it?
- If I have a chronic condition such as asthma, diabetes or high blood pressure, how will the plan treat it?
- Are the prescription medicines that I use covered by the plan?
- Does the plan reimburse alternative medical therapies such as acupuncture or chiropractic treatment?
- Does the plan cover the costs of delivering a baby?
- Does the plan pay for preventive health care such as diet and exercise advice, immunizations and health screenings?
Please contact us today to help evaluate your health care plan options.
