When choosing a plan that is best for you, consider the coverage offered, the cost of the plan and the network of health providers.
- How important is it to have complete freedom to choose doctors and hospitals, even if it costs more?
- Do you travel a lot or have children that live away from home and need to see doctors in other parts of the country?
- Do you have an established relationship with a primary care provider? Would you object to seeing this person each time to obtain a referral to a specialist?
- What care do you know you will need in the future? How accessible and expensive will obtaining that care be under the available insurance offerings?
- Is your doctor or local hospital in the provider network associated with the health policy?
Many types of health plans are available, each with different levels of patient liability, such as deductibles, co-insurance and co-pays. A broker can assist you in evaluating health plans, helping to ensure that you select a health plan that you're comfortable with.