1. Do not be tempted by the lowest premium.
Some consumers are naturally tempted to go with the plan that has the lowest monthly premiums. But the single premium is not the whole picture of what the consumer pays out of pocket for health care. The lowest premium will typically have very high deductibles, which means the policyholder pays more if they need to go to a doctor or hospital. Consumers have the choice to pay more per month to pay less if they need medical care.
2. The plan provider network is really, really important.
Nothing is worse than going to a doctor and find out they do not take your insurance. Consumers really need to ensure that their preferred health care providers include in their plan network.
3. Know all costs out-of-pocket when the doctor (or hospital).
There is a very good idea for consumers to have a deep understanding of the outside pocket costs of their plan, including co-insurance and co-insurance when they see a doctor or go to 'hospital.
4. Do not forget extra coverage such as dental, vision or motherhood.
There is always a mistake to assume a health plan also covers dental, vision and maternity care. Consumers who need coverage will probably need to add a rider to a health plan for these "extra" benefits.
5. Consider a health plan compatible with a Health Savings Account (HSA)
If a plan has a high deductible, so consumers can open accounts health savings to save tax-free money to pay for medical expenses -. Including individual health insurance premiums.
6. Do not be afraid to ask the doctor lots of questions.
Health care should be a team sport. Consumers know their body better, so it pays (and records) ask a doctor a lot of questions that the procedures and requirements are most needed.
7. Do not forget the family or dependents.
In the situation of a family, individual plans for everyone or filler added to a plan are two possible options of coverage.
8. Do your homework, talk to a professional agent.
Believe it or not, most people who buy individual health insurance need help of an agent before buying. Health insurance is a very complex product, so it makes sense to go to a few different options using a service like GoHealthInsurance.com.
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