Choose a plan the fits

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Choose a plan the fits

There's no denying that overall, the cost of health coverage continues to increase, but the options available today are more diverse and can help make plans more affordable.
 
What are my choices? There are two basic plan designs:
Indemnity or "fee-for-service" health insurance generally offers a broader choice of doctors and hospitals. This type of insurance includes the option of a high-deductible health plan that can be paired with a health savings account.
Managed care plans, by contrast, enter agreements with selected doctors and hospitals to provide services to plan members at a reduced cost. Generally, managed care plans require less paperwork and have lower out-of-pocket costs than indemnity health plans do.
 
Can I continue to use my own doctor? Many Americans' choice of a health plan turns on what insurance their doctor will accept. If using your personal physician is the most important consideration for choosing a health plan, then you won't want to select any coverage that your doctor won't accept.
 
What if I want to see a specialist who isn't covered in my basic plan?
If you want to consult with a specialist for a specific illness and that doctor isn't covered by your basic plan, a less restrictive preferred provider organization (PPO), point-of-service (POS) or high-deductible health plan might be the better choice, assuming you don't mind the financial tradeoff.
 
How will I know what benefits are covered? Most health plans offer basic benefits, but it's the details that matter. Think about the services, tests and medicines your family requires. Find out how each plan handles physician exams and screenings, hospitalization and emergency care and care from a specialist.
 
If you or someone in your family takes prescription medication, review each health plan's pharmacy benefit. Most plans post a list of preferred drugs on their Web site that can tell you whether a key medication is currently covered.
 
What's it going to cost? Since no health insurance plan covers every expense, you should compare plans. The most important financial aspects each plan's premium contribution and any out-of-pocket costs they may incur. Here are some additional most frequently asked questions that you should get answered before you select a plan:
  • Is there an annual deductible? If so, what portion of expenses will the plan cover after I've satisfied that obligation?
  • What about co-payments? Consider any co-payments you'll be required to make on services, such as doctor visits. Find out how much more you'll pay if you go outside a plan's network to get care.
  • What are the lifetime limits or exclusions in this plan?
eHealthInsurance is the nation's leading online source of health insurance. eHealthInsurance offers thousands of health plans underwritten by more than 180 of the nation's health insurance companies, including Aetna and Blue Cross Blue Shield. Compare plans side by side, get health insurance quotes, apply online and find affordable health insurance today.
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