Your Health is your Wealth - Choosing a Health Insurance Plan


Choose the plan that is right for you

When you’re choosing a health insurance plan, you’ll want to look at more than the premiums and deductibles to evaluate plan options. Take a look at the co-insurance amount, too, and then decide which deductible, premium and co-insurance mix is the best option for you. There are many factors to consider when choosing a health plan. Think about both your medical and financial needs – from coverage options to monthly premiums , to co-payments and deductibles . Consider your family situation, your family’s anticipated health care needs and available plan options.

It's a good idea to assess your needs and identify your priorities so you know what to look for in a plan. Consider costs, coverage, benefits, doctor flexibility and plan limitations to help you decide which plan is right for you.

Once you know what plan options are available, you can evaluate plan options to determine which one is right for your situation. Review your plan materials – such as brochures, benefit summaries and websites – to find the details that will help you decide. Things to consider include:

  • Affordability (total cost)
  • Coverage and benefits
  • Access to doctors and hospitals
  • Exclusions and limitations
  • Health and wellness resources

For added information or assistance, do not hesitate to contact one of our representative.