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navigating health insurance

choosing your plan

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overview

So now that we’ve discussed the different types of plans and how to understand the terms, it’s time to choose a health insurance plan. What’s right for you?

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When you’re presented with healthcare plans to choose from, you’ll have to weigh the options based on your own needs and risks.

 

Note: for a refresher on key terms, check out our Key Health Insurance Terms lesson.

 


Are you generally a healthy person and don’t anticipate many visits to the doctor or expensive treatments this coming year?
 A plan with a higher deductible and lower premiums might be right for you.

 


Do you anticipate having more trips to the doctor this coming year?
 A plan with higher premiums and a lower deductible might be right for you.

 

Ultimately, you need to make a realistic self-assessment of your medical needs, and then weigh these anticipated needs against available plans.

 

If you have a doctor you like, be sure to check if they’re covered by that insurance plan (this is fairly easy to do on the website of the health insurance–and you can always call the doctor’s office to ask).

 

Understanding your needs won’t just help you get the right care, but it can also save you a lot of money.

No account yet? Register

navigating health insurance

choosing your plan

So now that we’ve discussed the different types of plans and how to understand the terms, it’s time to choose a health insurance plan. What’s right for you?

When you’re presented with healthcare plans to choose from, you’ll have to weigh the options based on your own needs and risks.

 

Note: for a refresher on key terms, check out our Key Health Insurance Terms lesson.

 


Are you generally a healthy person and don’t anticipate many visits to the doctor or expensive treatments this coming year?
 A plan with a higher deductible and lower premiums might be right for you.

 


Do you anticipate having more trips to the doctor this coming year?
 A plan with higher premiums and a lower deductible might be right for you.

 

Ultimately, you need to make a realistic self-assessment of your medical needs, and then weigh these anticipated needs against available plans.

 

If you have a doctor you like, be sure to check if they’re covered by that insurance plan (this is fairly easy to do on the website of the health insurance–and you can always call the doctor’s office to ask).

 

Understanding your needs won’t just help you get the right care, but it can also save you a lot of money.

lessons in this course

Share on facebook
Share on twitter
Share on linkedin
Share on email

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