Tips for Picking a Health Plan
Choosing the right health plan can feel overwhelming, but a little preparation can make the process much easier. Whether you’re updating your insurance during open enrollment, experiencing a life-changing event, or just needing to better understand your current plan, use these tips to find a plan that fits your family’s health needs and budget.
Look at Your Needs
Think about how much you went to the doctor last year or if your family’s situation has changed.
Learn Key Words
- Deductible: How much you pay before your insurance starts helping.
- Copay: A set amount you pay when you see a doctor.
- Coinsurance: The percent you pay after your deductible.
- Out-of-pocket maximum: The most you’ll pay in a year for covered care.
- Preventive care: Routine services like wellness visits, screenings, and vaccinations to prevent illnesses or catch them early. These services usually do not cost anything out of pocket as long as you use an in-network provider and get any required referrals.
Check Your Doctors and Medicine
Make sure your doctors and prescriptions are covered by your plan.
Learn About Health Accounts
Some plans have savings accounts (like HSA or FSA) to help pay for medical costs.
Compare Carefully
Don’t just look at the monthly price. Check what each plan covers and what you’ll pay when you get care.
Know What Your Job Offers
If your employer gives you money for an HSA or helps pay for your plan, that can save you money.
Let NOAH Help
Only you can pick the plan that’s right for your family’s needs. However, we can help make sure the plan you choose will cover your services at NOAH. Call us at 480-882-4545 to verify accepted plans.
