Choosing A Health Insurance Plan
Choosing a
health plan may not seem like a big decision
but it is! You will need to choose the
coverage which works best for you and your
family. To the left is a listing to assist you
in making your health insurance decision.
As you can see
from the list, cost is not the only factor you
need to consider when making health insurance
decisions. Please take your time making this
decision and consult the health insurance
carrier if you have any questions or concerns
before making a change.
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Participating Doctors |
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Does your doctor or specialist
participate in the plan? Is a referral needed
to see a specialist? |
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Prescription Drugs |
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What type of
prescription drug coverage does the plan
offer? Does it offer a lower co pay option for
mail order maintenance medications? Does it
cover the prescriptions you need to take?
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Your Needs |
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Does the
plan cover you for specific needs such as
diabetic supplies, prosthetics, durable
medical equipment, hearing aids, etc.?
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Co pays |
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If you or
your family goes to the doctors often you need
to consider the cost of co pays deductibles
into your total cost of the plan. What are the
co pays for doctor visits? Is there an
emergency room co pay or urgent care co pay?
Is there a deductible to meet? |
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College Students |
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Do you have
children who are away at college? Will your
health plan cover them while at school? Up to
what age will they be covered under the plan?
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Premiums |
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Are you
contributing to your health plan premium? If
so, how often, weekly or biweekly and at what
cost? |
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Out -of-Network |
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Will the
plan cover you if you are out-of-area and need
non- emergency care?
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