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Guide to purchasing Health Insurance

A Checklist for Selecting a Health Insurance Plan

Buying health insurance can be a complicated process for many reasons. There are many options available. How can you determine which one is right for you? Which companies are reliable? What does a certain plan cover? Are you able to get a better price? To help you make the right decision, we have put together a checklist of what to consider:

There are products, such as pharmacy discount cards, that appears to be comprehensive coverage, but are not actually insurance. Make sure you are reviewing plans that offers comprehensive coverage.

Agencies such as Standard and Poor’s or Moody’s shows how they rate an insurer’s ability to pay claims.

The amount you will need to cover future medical costs is unknown, no one can predict the future. It is best to balance monthly costs with the amount of protection a plan provides. Cheaper policies will not offer the same coverage as a more expensive one and may cost you more over time.

Avoid policies that offer lower down payment limit on covered charges.

Confirm that the plan that you choose covers the healthcare services and medications you need.

If you want to keep your current doctors, make sure they are included in the policy’s network. If you chose not to keep your doctors, still research to see if the in-network healthcare providers have a good reputation and are in your area.

Once you select a plan, examine the terms and conditions carefully to ensure that your premiums won’t increase within the first 12 months.

Saving on Health Insurance with the Affordable Care Act

Health insurance can be expensive, however the Affordable Care Act (ACA) offers several ways to save money without losing coverage.

The ACA gives subsidies to households that are within a certain income range. Subsidies are based on how the number of people in the household compares to their total income. The form on this website request both numbers.

If you are under 30 years old or have a “hardship exemption,” you may be eligible for “catastrophic” health coverage. This kind of insurance shields you from high medical costs if you need a lot of care.

You may be entitled to stay on your parent’s policy if you are under 26 years old.

Regularly confirm that your physician is still in your provider’s network; otherwise, you might pay more for an out-of-network visit accidentally. The status of in-network doctors changes more frequently than you might think.

The new health law prohibits insurance carriers from charging you or your dependents higher rates for pre-existing conditions or for being female.

The ACA can be confusing—particularly due to the amount of misinformation out there. Understanding your options is critical. Researching a wide range of health insurance plans will help you make a better, more-informed decision.