5 Things to Consider When Choosing a Health Insurance PlanReviewAdviceFAQ's

5 Things to Consider When Choosing a Health Insurance Plan

Health insurance is one of the most important types of protection to have, to shield yourself from the perils of emergency and sickness. While having health insurance is undoubtedly helpful in protecting your health and finances, it can be difficult, and even overwhelming to choose a plan. There are so many different plans and components to understand.

To get started, here are five things to consider when choosing a health insurance plan.

The Deductible

One of the most important aspects to consider when choosing a health insurance plan is the deductible. A deductible refers to the amount of money that you pay out of pocket, before an insurer will cover the cost. Typically, this is for big ticket items that are quite costly, but it's an important factor to consider nonetheless.

For example, some insurance premiums might be cheaper, but have a higher deductible of six to twelve thousand dollars. To lower your deductible, oftentimes you will pay more in insurance premiums.

You could be paying now or paying later. Choosing a health insurance plan is a personal choice, but it's crucial that you consider the cost of the deductible. Should an expensive surgery or emergency occur, you will want to make sure that you can cover the deductible and receive health insurance benefits to cover the rest.

5 Things to Consider When Choosing a Health Insurance Plan

Is Your Doctor in the Network?

If you have a favorite physician, or someone you have been seeing for a long time, check to see if they are in your network. Each health insurance plan has a different network of providers, so you will want to see if your preferred provider is covered in that group. In order for your insurance to cover the cost of visits, your physician will need to be within the network of your health plan.

Alternative Services

Standard health plans cover doctor's visits and typical health appointments. But are you interested in getting other alternative health services, like massage, acupuncture, or naturopathy? If you are, look for a plan that covers such items. Not all plans will cover these alternative treatments, but if it is something you find value in, then make sure it's covered by your plan.

Location of Facilities

Another thing that is often overlooked when choosing a plan is the location of facilities. Is your local doctor or hospital nearby, or do you have to drive thirty minutes to get there? It's important to consider what facilities are available to you and where they are located. When you are sick, or if an emergency occurs, having something nearby will be a huge benefit.


When choosing a health plan, do some research regarding the reputation of your health care provider. Do they have great customer service? Are they a trusted source in the community? Do they provide helpful information and put your health as their number one priority? Start looking into various health plans and see what is the best fit for you.

While choosing a health insurance plan can be a daunting task, use these tips to simplify the process and keep your needs at the forefront of your decision. Your health insurance plan is a vital force in protecting you during times of sickness, so choose wisely and make sure you know the ins and outs of your plan.

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