Thousands of Americans are signing up for health insurance, some for the first time, because of the Affordable Care Act. If you are newly insured in San Diego, check out the following tips so you can better understand your health care plan and get the most out of your new health benefits.
Know What Your Health Plan Covers
Before seeking medical attention, review your specific San Diego health insurance plan to become familiar with the coverage offered. Most health insurance plans will cover:
- Annual check-ups or doctor visits with a primary care physician
- Urgent care and emergency medical services
- Preventative care services such as vaccinations, diet and obesity counseling, and screenings for diabetes, cholesterol, blood pressure, and HIV
- Prescription costs
Learn about Providers Within Your Health Care Network
Each San Diego health insurance company has a network of providers – a comprehensive list of doctors, hospitals, and urgent care facilities that you can visit for a check-up or emergency medical services. When visiting a provider within your insurer’s network, you will be responsible for a co-payment, a fixed amount (typically $15-25) that pays for the service needed. You may also be responsible for paying a deductible, an amount that must be paid before coverage kicks in. If you choose a doctor, hospital, or other provider outside of your health insurer’s network, you may have to pay additional fees.
Most insurers have online tools that allow you to search for and review the providers within your network so you can choose medical professionals that you feel comfortable with, best meet your needs, and are in close proximity to your home or office for additional convenience.
Understand Where to Go for Medical Needs
Individuals who understand the types of care covered by their insurance plan before a medical or emergency situation can feel confident that the provider they’re visiting can best meet their needs. A primary care physician is used for regular annual check-ups and can also provide any of the preventative screenings listed above. If your regular physician is out of the office or you need care after regular office hours, urgent care can provide you with the assistance needed. Emergency rooms are generally visited if you are seriously injured or ill and need immediate medical attention.
Are you Uninsured?
Understanding a new health insurance plan can be tricky. American Tri-Star, a trusted health insurance provider in San Diego, can answer any questions you may have. If you are not insured, our experienced agents can also help you find affordable health insurance in San Diego that will enable you enjoy a happier, healthier way of life. Call us today at (619) 272-2100 for a free insurance quote