![\"\"](\"https:\/\/i0.wp.com\/ghanadmission.com\/wp-content\/uploads\/2023\/06\/Screenshot_20230607-025739_Chrome-243x300.jpg?resize=243%2C300&ssl=1\")
<\/p>\nThere are some questions to ask yourself to ensure you\u2019re choosing the best health insurance plan for you, including:<\/p>\n
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What will your total costs be? In addition to the monthly premium you pay your insurance company, consider your deductible and what your out-of-pocket costs might look like. \u201cSome people would like to have premiums as cheap as possible and are fine with a higher deductible,\u201d says Turner, while others prefer the opposite.<\/p>\n
Are your favorite doctors \u201cin network\u201d? Each insurance company works with a certain network of providers. Before signing up for a plan, ensure that the doctors you want to see are included in the plan\u2019s network. \u201cAs a mom, I don\u2019t ever want to have my pediatrician not be in my network,\u201d says Moore. \u201cIf you love your OBGYN or your family practice doctor, find out if they\u2019re in network before you sign up, because it can make all the difference.\u201d<\/p>\n
What type of plan is it? If you sign up for a Health Maintenance Organization (HMO) plan, you generally won\u2019t be covered if you seek out-of-network care unless it\u2019s an emergency. If you pick a Point of Service (POS) plan, you\u2019ll be required to get a referral from your primary care physician in order to see a specialist. The kind of plan you choose will affect your out-of-pocket costs.<\/p>\n
If you\u2019re struggling to figure out which plan is best for you, Turner suggests seeking the assistance of a health insurance navigator. These trained professionals can help you figure out if you qualify for any financial assistance and compare plans. To find a health insurance navigator, go to HealthCare.gov and enter your ZIP code. These services are \u201cfree, confidential and available to the public around the country,\u201d says Turner.<\/p>\n
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Another option is to contact a health insurance broker. Doing so is typically free since they\u2019re paid by health insurers, says Moore. \u201cIt\u2019s really no risk to you to reach out,\u201d she adds, and it can be a helpful way to feel more confident in your decision.<\/p>\n","protected":false},"excerpt":{"rendered":"
There are some questions to ask yourself to ensure you\u2019re choosing the best health insurance plan for you, including: What will your total costs be? In addition to the monthly premium you pay your insurance company, consider your deductible and what your out-of-pocket costs might look like. \u201cSome people would like to have premiums…<\/p>\n","protected":false},"author":6,"featured_media":54011,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[24824,29128],"tags":[],"yst_prominent_words":[3889,13406,8664,9282],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/ghanadmission.com\/wp-content\/uploads\/2023\/06\/Screenshot_20230607-025739_Chrome.jpg?fit=978%2C1207&ssl=1","yoast_head":"\n