Deciding which health insurance plan is right for you can be stressful, but with a little help from your friends at American Tri-Star Insurance in San Diego, you can relax. Here are some things to keep in mind when choosing your health insurance policy.
Look for the Summary of Health Benefits and Coverages to see what is covered under each policy you’re researching. Most plans should offer coverage for basics like emergency care, lab tests, prescription drugs, outpatient, pediatric, and preventive care services. In fact, since healthcare reform passed in 2014, newer policies should also include maternity care, rehabilitation, and mental health services.
The cost of your health coverage consists of a monthly premium and out-of-pocket expenses, which includes co-pays, deductibles and co-insurance. Usually, paying more upfront on a monthly basis means you can expect to pay less out of pocket. Those who access health insurance through the Affordable Care Act may be eligible for subsidies based on income. If you are currently dealing with medical issues, it may be wise to choose a higher premium plan, but it’s usually safe to choose a lower cost premium if you’re in good health.
Finally, it’s important to check which healthcare providers are in the network you choose. You will have to pay all or a significant portion of the bill if a provider is not in your network, so if you want to keep your current medical practitioners, it’s best to make sure they’re listed.
These are the basic considerations when it comes to choosing health insurance, and taking time to research your options will help you find the best coverage for you. If you have any questions regarding health insurance in San Diego or are considering purchasing insurance with Tri-Star, call one of our knowledgeable agents today at 619-272-2100 for a free quote!