Choosing a health insurance plan can feel anything but simple. There are numerous options and it can feel like a guessing game. But if you understand a few key concepts, you can quickly increase your chances of finding the right plan for your needs. Here are a few tips and pointers to keep in mind:
Consult With Your Doctor
“Before you start your search for the ideal health insurance plan, you may wish to call your doctor first, especially if you plan to keep visiting him or her,” Boost Health Insurance suggests. “Ask which insurers they take as well as what kind of network they operate on. If you get a policy that doesn’t include your physician in their network, you may have to pay hefty out-of-pocket fees to see them or switch to another in-network provider.”
Your doctor – or those in the front office – may also have some advice on what plans you should pursue, given your health history and current outlook. You’ll want to do your own research, but it can help to have as many opinions as possible.
Identify Your Marketplace
One of the first things you should do is identify your marketplace. Does your employer offer health insurance through work, or will you be going another route? The government insurance exchange through the Affordable Care Act is the most common and, well, affordable option. But you can still purchase insurance directly from the insurer or go through one of many different private exchanges.