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Items to Consider
What is the best health plan for you and your family?
Choosing a health plan can be a confusing experience. Although there is no one "best" plan, there are some plans that will be better than others for you and your family's health needs. We will try to guide you in simple terms. However, rather than just giving you answers, the best thing we can do is to make sure you are equipped with the right questions.
There are three major areas to consider, each with their own set of questions. When comparing plans, ask yourself (or us) the following: |
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Affordability\Cost
How affordable is the care (cost of care)?
How much will it cost me on a monthly basis?
Should I try to insure just major medical expenses or most of my medical expenses?
Can I afford a policy that at least covers my children?
Are there deductibles I must pay before the insurance begins to help cover my costs?
After I have met the deductible, what part of my cost is paid by the plan?
If I use doctors outside a plan's network, how much more will I pay to get care?
How often do I visit the doctor and how much do I have to pay at each visit?
Access\Coverage
Do the included services match my needs (access of care)?
What doctors, hospitals, and other medical providers are part of the plan?
Are there enough of the kinds of doctors I want to see?
Where will I go for care? Are these places near where I work or live?
Do I need to get permission before I see a medical specialist?
Are there any limits to how much I must pay in the case of a major illness?
Is the prescription medication that I need covered by the plan?
Does the plan cover the expenses of delivering a baby (maternity)?
Quality
Have people had good results when covered by a specific plan (quality of care)?
How do independent government organizations rate the different plans?
What do my friends say about their experience with a specific plan?
What does my doctor say about their experience with a specific plan?
Please contact us and we can help you make the best decision for you and your family.
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