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Questions to Ask When Shopping for Health Insurance

Ask these questions to evaluate your health insurance plan

Choosing the right health insurance plan is an important decision, and sometimes, a daunting one.

With so many options, it can be difficult to determine what’s best for you and your family.

That’s why insurance agencies exist – to help you navigate through the complexities of the health insurance system so that you get exactly what you need.

Preparation is important.

When you’re considering a new health insurance plan, think about these questions and ask your agent for help:

What Are My Personal Health Insurance Priorities?

Every plan is a little different, just like every person.

Only you can decide what matters most to you and your family, so use these questions to determine your health insurance priorities:

  1. How often do I am my family need treatment? While health insurance is designed to cover your unexpected health expenses, looking at your history to determine trends can help you figure out what you might need in the future.
  2. What do I need in terms of wellness and preventative medicine? If you make wellness a priority, be sure that your plan covers prevention as well as treatment.
  3. How big is the network, and who is in it? Your current doctor may not accept all plans, and depending on your location and your preferences, you’ll want to choose a network that includes the physicians and specialists you want.
  4. What are my options? Shopping around is an important step – you’ll get an idea of what’s out there and be better able to determine your priorities.
  5. What happens if I need to see a specialist? Some plans require a referral from your primary care physician in order to see a specialist, and some allow you to go without any referral. Decide whether you like keeping your healthcare centered around one physician, or if you prefer the freedom to go anywhere.

What Are My Financial Priorities?

Choosing the best health insurance plan is a balancing act between coverage and cost.

These questions help you determine whether or not a plan is a good financial choice for you:

  1. What are my out-of-pocket costs? Your deductible is not your only expense – also consider copayments and coinsurance, and ask about any other out-of-pocket expenses.
  2. Does this plan cover prescription medications? Some plans offer full or partial coverage for medications, while others leave the total responsibility for medications to you. If you’re already taking regular prescription medications, consider whether or not that specific drug is covered.
  3. What happens in the event of major illness? Your plan may have a maximum coverage amount, might treat hospital stays differently than routine medical checks, and might only cover expenses after you’ve paid your lifetime deductible. Ask about the provisions for major illnesses before deciding on a plan.

Don’t be afraid to ask questions!

This is a major decision, and it’s worth taking the time to be informed.

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