How to Find an Affordable Health Insurance Plan

Find Affordable Healthcare FAST With This Must Read Guide

( – While many people are able to obtain insurance through a job or spouse, many with part-time jobs, who are unemployed, or who work for smaller companies may not have any options at all. There are, thankfully, options available for those who need to go out and search on their own.

Identify Your Health Plan Marketplace

The best place to start searching for a health insurance plan is your state’s marketplace website. You can also search through the federal marketplace. Search for your state under the “Get Coverage” and check if your state has an insurance exchange program. If you find one, clicking your state’s option will send you to the specific exchange program in your state. If not, you can find various options on the federal website.

Compare the Different Types of Health Insurance Plans and their Benefits

Most health insurance plans fall into 4 categories: bronze, silver, gold, and platinum. These categories pertain to how much you’ll be paying and your deductible levels, but have nothing to do with the quality of care. Make sure your particular plan choice covers a wide scope of healthcare services, or your favorite doctors, within you make your final choice.

Compare Plans and Network

Even with the right plan at your disposal, you have to check the network associated with it to verify its suitability. You can choose from HMOPPO, or EPO plans. Some allow you to use any doctor or healthcare facility, while others limit your choices or charge you more for seeking healthcare services from a physician outside their network. Your choice may also determine whether or not you can easily visit specialists or need to get regular referrals.

Compare Premiums

Premiums refer to the amount of money you have to pay for your coverage. Policyholders should pay this amount whether or not they use medical or pharmacy services. These amounts are usually paid monthly. Keep in mind that failing to pay this amount puts you at risk of losing your coverage. Apart from that, other costs are associated with the coverage, such as deductibles.

Compare Deductibles

Deductible refers to money you have to pay before coverage kicks in. In this case, a health insurance company wouldn’t cover your costs unless you spend your deductible. For instance, if your deductible is $1,000, the insurance will only cover your expenses if you spend this amount on your medical service first. Many people usually spend their deductibles on specialist visits, approved cancer screening, vaccines, and specific prescriptions.

A great way to choose a health insurance plan best suited for your needs is through a certified application counselor or a health insurance navigator. These experts will carefully help you evaluate the above variables and help you pick an option suited for your needs and financial capacity. Ensure that you get a certified application counselor today to get the best health insurance for you and your family.

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