With Obamacare being upheld, there are going to be some major changes to health insurance policies and the way health plans are structured. More times than not, people select a random plan and hope for the best.
Unfortunately, not everyone has the luxury of randomly selecting a plan, without thought to cost. With unemployment hovering a bit over 8% nationally, part-time workers and the recently laid-off/unemployed are looking at their everyday costs more than ever.
GoHealth and its customer-facing website GoHealthInsurance.com have decided to help ease the confusion and put together an infographic and some top tips on choosing a plan that fits your and your family’s needs. Learn what a PPO is and be an expert on the difference between a co-pay and co-insurance!
How to choose a plan that fits your needs
- Make a checklist of the coverage you absolutely need:
If you take a lot of prescription medications, make sure your drug co-pay is going to be affordable. If you’re a woman who may consider getting pregnant – be sure to have maternity coverage. Full maternity coverage is not automatically built into plans, just because you are a female. Also – be clear as to whether or not your plan will cover dental and vision, if those are “must haves” for you at this time.
- Make sure you can afford your deductible in case of an emergency:
Going with the cheapest monthly premium you can find may be a short-sighted decision if the deductible is so high that you couldn’t possibly pay it in the event of an emergency.
- Ask a ton of questions:
Health insurance is one of the most important purchases Americans make and it should involve a high level of involvement on the part of the consumer, much like buying a car or a home. At GoHealth, we provide extensive information on our website,www.GoHealthInsurance.com. We can also directly connect you with a licensed health insurance agent who is ready and willing to answer all of the questions you are sure to have.
GoHealth works with over 100 health insurance carriers and more than 10,000 licensed agents across the United States. Since the company’s founding in 2001, the GoHealth platform has helped nearly 30 million Americans purchase health coverage.GoHealth’s mission is to connect every individual and family with the right health coverage.