Whether you have started a new job or your current workplace has switched insurance providers, you may be faced with choosing a new health insurance plan. Because of the myriad of options available, you may be having problems narrowing down your choices to a plan that works best for you and your family's medical needs.
Before you start trying to navigate the various details of available coverage, you should sit down and ask yourself questions about what your current healthcare needs are. Below are a couple of questions to help get you started with gathering information before speaking with an insurance agent to help you pick out your healthcare plan.
Do You Have Specific Doctors That You Wish to Keep Seeing?
One question you should ask yourself when choosing a new plan has to do with the doctors you are currently seeing. Do you wish or need to continue under their care, or are you comfortable with switching doctors if the need arises?
If you wish to keep seeing your current doctors, you will need to select a plan that either has them in the insurance coverage's network or allows you to see anyone without restrictions. Even with the latter, the plan may cover visits but at a higher copay.
When you speak to the insurance agent, make sure to have a list of your doctors ready so you can find out if you can continue seeing them. If not, you can either switch doctors or select a different plan.
What Medications Are You Currently Prescribed by Your Doctor?
Another question to ask yourself has to do with your medications. For this question, you should make a list of those that are currently prescribed to you.
With your list in hand, let the agent know what these medicines are so that they can relay the costs of available prescription plans and their copays. Once you have these numbers, you can choose which is the best option for keeping your prescription costs down.
Asking yourself the above questions and reviewing your current doctors and medications can help get you started with narrowing down your plan choices. You also need to consider other factors, such as the deductible, premium, and copays when making your decision. Since it can be difficult to navigate the complicated legal jargon, you may want to enlist the help of a professional. Speak with an agent at a company that offers health insurance plans to talk about your specific medical needs so that they can help you.Share