Shopping around for a health plan can be tricky. Comparing plan features can be exhausting. Here are some top features you should consider when choosing a health plan.
First, figure out what type of plan is best for you. With an HMO, you choose a primary care physician and he/she must refer you to any kind of specialty care within the network. With a PPO, there is a network, but you are free to go the specialists at any time. If you go outside the network, you are covered but must pay a higher share of the cost.
Look at the deductible to figure out how much you?ll need to pay out of pocket each year before your health plan covers any care. ?You may want to select a plan with a lower deductible if your expectation is to meet it, or a higher one if you expect to never reach it, which means you will save on premiums instead.?
Also, look at the maximum out-of-pocket limit, or the most you will be required to pay each year.
Do you find shopping for health insurance to be confusing or frustrating?
Source: Mint
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