Tips for Finding the Right Health Plan
Posted on Dec 2nd 2021 by Florida Blue
More people than ever before — 9 out of 101 — can now get help paying for health insurance through the Affordable Care Act (Obamacare). We’re here to help guide you to find the right plan and see how much financial help you may qualify for.
Here are a few things to consider when you’re getting started:
1. Does your current plan still fit your needs? Even if you like your current plan, it’s still a good idea to think about any big changes that happened in your life in the past year. Did you get married, have a baby or move? Have you developed a health condition or started taking a prescription drug? Has your income changed? All of these can change your health coverage needs.
2. Which doctors and hospitals are in the network? Some health insurance plans will allow you to use any doctor or health care facility, while others require you to stay within a certain network. If there are any specific doctors, pharmacies or other facilities you want to use, make sure they’re in the network for the plan you’re considering. (Keep in mind, networks can change during the year.)
3. How does health care fit into your lifestyle needs? Are you always on the go? Is it hard to get off work to get to the doctor? Do you need get to the doctor on a regular basis but have transportation issues? Check to see if doctors in the plan’s network are available 24/7 via mobile app or video chat, if they have extended in-person hours or if they’re in your neighborhood or near your work.
4. What’s the total cost? When choosing a plan, it’s important to look at more than just your monthly payment amount. You also need to consider things like the amount of the plan’s deductible (what you pay for covered services before the insurance company starts to pay) and the copay or coinsurance (payments you make every time you get a medical service, usually after reaching your deductible). Also check to see if you’d pay less out of pocket by choosing certain pharmacies or doctors.
5. What other benefits are available? Don’t forget to look for other “value-added” benefits that the plan offers. This includes things like health and wellness programs for no extra cost, discounts on healthy lifestyle products, the opportunity to earn rewards toward your costs or the ability to talk to a nurse or care coordinator for guidance on getting the right care. While these benefits aren’t necessarily deal breakers when it comes to choosing a health plan, they can provide additional ways for you to save money and get the most out of your experience.
Even with these tips, you may still feel a little overwhelmed when looking at all the options. Don’t worry — a licensed agent can explain your options and help you learn about financial assistance to lower your costs.
We’re here to answer your questions. Call your agent, call us at 800-876-2227 or visit one our Florida Blue Centers for help.
Filed under: Health Education