Navigating the World of Health Insurance

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With medical costs skyrocketing, now more than ever, you and your family need a dependable health plan. Even the routine doctor visit can reach the thousands of dollars so it’s important you know how to choose the best plan for you, and the one that leaves the most money in your pocket. It can be tricky finding the best plan between so many carriers, but getting good, quality health insurance can be done if you know where to look.

 

The Safety of the Net

With so many insurance companies, the best place to start is on a website. A growing segment of sites has arisen that give you rates and plans from a variety of carriers. Instead of going through the tedious process of visiting each particular company’s site or calling  a bunch of 800 numbers, these sites can narrow down your prospects to one or two plans that fit you and and that you can afford.

 

Find Your Doctors

Virtually every health insurance company has its provider directory online, and most are searchable even if you aren’t a current client of the company. You like your doctors and you’d like to keep seeing them, even if you have to change insurance plans. Find the rates and plans you like, then check the provider directory for those plans. See if your doctor is on the plan. It’s getting harder and harder to find doctors that are on multiple insurance plans so it’s important to verify that your favorite will take your new insurance. If he or she is on the list, make sure there are not services that aren’t covered at that particular doctor. Also ensure that he or she is in network if you are on the plan. Some doctors take insurance from certain companies but are listed as out-of-network, which makes your cost higher to go see them. An in-network physician will mean a lower copay and insurance premium.

 

Read the Reviews

The Internet has become a repository of reviews for everything from restaurants and vacations to teachers and doctors. Insurance plans are part of this as well. Once you’ve narrowed your search to a couple of providers, look for reviews. Chances are you’ll find plenty of negative ones as it relates to unpaid claims or denied service. But you can also find positive reviews or a mix of good and bad of certain companies. See what others have dealt with  before making your choice. It’s your health after all. It deserves the best attention it can get.

 

Stay Healthy and Insured

Unless you have access to a river of money to pay potential hospital bills, health insurance is a must these days. There are plenty of options that you can afford and that can provide the coverage you and your family need. Check the reviews, check the rates and find the one that’s best for you. Make sure your doctor is on the plan and is in network. By taking a few, small preliminary steps, you can have a health insurance plan that does what it is supposed to — value your health.