There are many things to consider when choosing a plan. Some of the
questions that you should ask yourself before you choose a plan such as:
1) Long or short-term coverage?
If you're between jobs or looking for a job, you may want to consider short-term coverage. But if you’re self-employed or your employer does not offer group health insurance coverage, you may need longer term coverage offered through an individual and family health insurance plan. If you’re not currently covered, consider short-term coverage while you wait for a longer-term plan to become effective.
2) Basic or more comprehensive coverage?
Some insurance plans offer basic coverage that protects your finances in case of a major illness or injury. These plans typically have a lower monthly premium, but you’ll be responsible for more of your health care costs each year. Other plans offer more comprehensive coverage that may include chemical dependency or behavioral health care, maternity, prescription drug benefits, vision and eye care, and regular doctor office visits. These plans typically have a higher monthly premium and may be appropriate for people who intend to use their insurance on a regular basis.
3) Health insurance Company’s reputation?
Find out about the company offering the health plan. How long have they been in business? Have they been rated by independent agencies with regard to their financial strength? How do their ratings compare to the ratings of companies offering other plans you are considering?
4) Does the plan have tools & resources to support decision making and my health?
If the plan offers a wide range of tools and resources to help you stay healthy, you will pay less in medical costs.Some plans offer additional services such as a 24-hour nurse line so you can call to find out the best course of action when you or your child gets sick after hours. http://healthcareatm.com/
1) Long or short-term coverage?
If you're between jobs or looking for a job, you may want to consider short-term coverage. But if you’re self-employed or your employer does not offer group health insurance coverage, you may need longer term coverage offered through an individual and family health insurance plan. If you’re not currently covered, consider short-term coverage while you wait for a longer-term plan to become effective.
2) Basic or more comprehensive coverage?
Some insurance plans offer basic coverage that protects your finances in case of a major illness or injury. These plans typically have a lower monthly premium, but you’ll be responsible for more of your health care costs each year. Other plans offer more comprehensive coverage that may include chemical dependency or behavioral health care, maternity, prescription drug benefits, vision and eye care, and regular doctor office visits. These plans typically have a higher monthly premium and may be appropriate for people who intend to use their insurance on a regular basis.
3) Health insurance Company’s reputation?
Find out about the company offering the health plan. How long have they been in business? Have they been rated by independent agencies with regard to their financial strength? How do their ratings compare to the ratings of companies offering other plans you are considering?
4) Does the plan have tools & resources to support decision making and my health?
If the plan offers a wide range of tools and resources to help you stay healthy, you will pay less in medical costs.Some plans offer additional services such as a 24-hour nurse line so you can call to find out the best course of action when you or your child gets sick after hours. http://healthcareatm.com/
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