Choosing which health plan is the best could be a confusing experience. Although there are no “best” plans, there are various plans accessible in the market today that would be better than others for you and your family's health insurance needs. Simply put, however, rather than giving you the answers, the best thing we can do is make sure you're ready with the right questions. The following questions may help you and your family make intellectual decisions about choosing the best available health care options.
There are three major things to consider, each with its own exclusive set of questions. By carefully considering the questions, you would arrive at the right plan for you and your family.
1.How affordable is the cost of health care?
• How much would it cost me monthly?
• Should I try to insure only major medical expenses or cover most of my medical expenses?
• Can I afford a policy that at least cares about my children?
• Are there any deductibles I would have to pay before the insurance starts to help cover my costs?
• After meeting with the franchise, what portion of my costs are actually paid for by the plan?
• If I use doctors outside of a plan's complex, how much more could I pay for care?
• How often should I visit the doctor and how much should I pay at each visit?
2. Do the integrated services correspond to my needs (access to care)?
• Which doctors, hospitals and additional medical providers are part of the plan?
• Are there enough types of doctors I want to see?
• Where would I go for care? Are these places near where I work or live?
• Do I need permission before seeing a medical specialist?
• Are there limits to how much I should pay in the event of a major illness?
• Does the plan cover the cost of delivering a baby?
3. Have people had good outcomes when covered by a specific plan (quality of care)?
• How do self-governing organizations assess the different plans?
• What are my friends saying about their understanding with a specific plan?
• What does my doctor say about their knowledge with a specific plan?
