If you’re seeing this page, it means you’re already one step ahead of most people. Given the importance of Health Insurance, it’s critical to select the right plan for your needs.
When making this decision, it’s important to search for Health Insurance plans that are budget friendly, and cover all the essential and additional expenses that you may have to incur.
We’ve searched the web high and low to find the best plans. In our search, we’ve come across a few that truly stand above the rest. Continue reading to learn more about these plans and how to pick the one that’s best for you.
Want to find the best Health Insurance for you? Follow these three steps.
Step 1: Enter your zip code/age and click view my quote to instantly receive your top matches
Step 2: Select the top plan, then click to complete the questions on their website to get your policy details and calculate how much you’ll be able to save (it only takes a few minutes to get your free quote…make sure to complete these below before moving on to step 3)
Step 3: Learn how to pick the best plan
Once you have gone through the process to get your quotes, it’s important to understand just what you are paying for to make sure you’ve picked the right plan. You’ll need the quotes in hand from step 1 and 2 to be able to follow along with step 3, so make sure to go back and complete those steps before you jump into the rest.
We’ll break down part 3 into 3 simple steps:
Part 1: Match your consumption to your deductible:
A deductible is the amount you pay for health care services before your health insurance begins to pay. How it works: If your plan’s deductible is $1,500, you’ll pay 100 percent of eligible health care expenses until the bills total $1,500. After that, you share the cost with your plan by paying coinsurance.
The lower you want your deductible, the more you’ll pay for your plan. Look at how much you spent on health insurance over the last 12 months and then compare that to the different deductible options. Pick the option that makes the most sense based on how much you have sent
Part 2: Understand the CoPayments
Copay, short for copayments, is the fixed amount you must pay for a covered health care service. Copays are due at the time you receive a health care service. Most often, you will be asked to deliver your copay when you check in for your doctor’s visit or diagnostic test.
You’ll want to understand these to see which offers the best deal for the types of services you use. Do you commonly see a certain type of specialist? Or do you just want to best rate for your normal checkup.
Part 3: Pick the Right Plan Type
There are 4 different types of plans, pick the one the one that is right for you:
HMO: Health Maintenance Organization – Lower out-of-pocket costs and a primary doctor who coordinates your care for you, but less freedom to choose providers.
PPO: Preferred Provider Organization – More provider options and no required referrals, but higher out-of-pocket costs.
EPO: Exclusive Provider Organization – Lower out-of-pocket costs and no required referrals, but less freedom to choose providers.
POS: Point of Service Plan – More provider options and a primary doctor who coordinates your care for you, with referrals required.
Get Started Today
This might seem like a lot of work, but having the right health insurance could save you from experiencing significant hardship should you ever need it.
Now it’s time to take action.
In case you haven’t already, enter your zip code and age and click view my quote to receive your top matches and select the top plan below. Then click to complete the questions on their page to get your policy details and calculate how much you’ll be able to save on the plan that meets your needs.
It only takes a few minutes and you could end up getting a lot more, and paying a lot less. Trust, you’ll be happy you did.