Which Health Insurance Plan Should I Get?

Considering all the HMOs, PPOs, deductibles, copays and drug tiers, enrolling in the best health insurance plan for you and your family may seem like throwing darts in the dark. You might hit something but it may not be the bullseye plan you thought it was after you make your first doctor’s appointment. Note: it doesn’t have to be that complicated. Just take into account the following elements to decide which health insurance plan is ideal for you:

Your financial situation: How much money do you have to spend on premiums, deductibles, and other out-of-pocket expenses?

Your medical requirements: Do you currently take any prescription medications or have any pre-existing medical conditions? Do you anticipate requiring a lot of medical attention in upcoming year?

Your network of providers: Does the insurance plan cover the medical professionals and facilities you prefer?

Your coverage requirements: Are you comfortable with a high-deductible plan in exchange for reduced premiums, or do you want a plan with modest deductibles and copays?

Type of your plan: Do you prefer a plan that offers a larger range of coverage, or are you happy with a simpler plan that only covers the most basic medical needs?

Size of your family: Do you have a partner or kids who will need health insurance coverage as well?

To help you find the best health insurance plan for you and your family, feel free to contact Insureous or call 904-295-8498. Our agents can help you compare different plans and enroll in the one that best fits your needs.