If you are looking for an individual health plan, you can choose from four basic types of health insurance coverage:
When choosing a health care plan, there are three basic questions you need to ask:
1. What types of care are covered? Coverage options and benefits not only vary by plan, but they also vary by state. Make sure to be clear about the types of essential medical care that is covered by any health care plan offered within your state.
2. What are the out-of-pocket costs? When comparing health insurance plans, don’t just look at the monthly premiums. Additional costs, such as the annual deductible, copayments and coinsurance can vary significantly from one plan to another.
3. Will the plan’s provider network fit your circumstances? You should pay particular attention to the doctors and medical facilities that are included in the plan’s network. Where are they located and how easy will it be to reach them? Do you already have a doctor you like, and is he or she a part of the network?
Our free online health insurance comparison tool at Insuret.com shows health plans offered in state and federal marketplaces. It’s easy to use and only takes a few minutes. So what are you waiting for? Compare Health Insurance plans and start saving now!