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Lessons Learned from Years with Tips

Comparing Health Insurance Quotes and Plans

Among the best – if not the best- steps you can take prior to buying a health insurance plan, is asking for a number of quotes from a number of companies and compare them with one another. But first, you need to understand the usually confusing insurance-speak about networks, copays, deductibles and the others.

So what exactly should you consider when as you compare health insurance quotes?

Know your priorities.

First off, make a list of the things that are important for you to have in a health plan. If you would like to continue the relationship you have with your current doctor, ask which insurance plans he or she intends to participate in during the forthcoming plan year. Networks are now getting smaller; what a network was two years ago may not be the same network it is now. Consider this as you compare health insurance quotes.

Don’t just focus on the premium.

Yes, a low premium can be very tempting, but know that a plan with a low premium may come with a high deductible, possibly leaving you responsible for a good chunk of your own medical bills every year. You must meet the deductible first before coverage for various types of services can begin. Clearly, this is among the biggest reasons you need to compare health insurance quotes before deciding on a particular plan.

Go through all possible out-of-pocket expenses.

Though several types of preventive care must now be fully covered at zero cost to you, under health reform, you may have to pay copayments and coinsurance, as well as a deductible for other services.

Know your doctors and hospitals.

Check with the The Joint Commission (formerly The Joint Commission on Accreditation of Healthcare Organizations), an independent nonprofit organization that provides accreditation and certification to hospitals and health care programs. Their website will tell you whether a medical practice or hospital has received the Joint Commission Gold Seal of Approval. In the end, you want a health plan, everything else being equal, with a very high-quality hospital in your vicinity.

Consider prescription drugs.

You can also check with the National Committee for Quality Assurance, another nonprofit that reviews medical practices.
Consumer Reports’ website applies the committee’s customer satisfaction, preventive services and treatment data on as basis for ranking health insurance plans on the state level. When you compare health insurance quotes, don’t forget to see if your prescription drugs are covered in the plan.

Shop around!

Though it may seem easy to simply renew any plan you presently have, you need to review any other, possibly newer options available to you, whether through your employer or privately. Be sure to look at the entire picture and not just the price tag. It could take you a bit more time, but without a doubt, you do have to compare health insurance quotes deciding to buy a certain plan.