CHOOSING A HEALTH INSURANCE PLAN
Tips for Choosing A Health Insurance Plan
Health Insurance Plansfor the Greensboro & High Point, NC areas
Moon-Shina Insurance Solutions is an independent insurance agency covering citizens throughout the High Point and Greensboro, NC area. We specialize in health insurance plans, and want our clients to receive the best coverage for their lives. Our agents have outlined a few tips to help you get some ideas about what you want in a health insurance plan.
Choose Your Health Insurance Plan Type
The type of health insurance plan you choose determines which doctors you can see and how much you'll pay out-of-pocket for medications and appointments. It's important to obtain a summary of benefits from each potential provider to compare and contrast what they offer.
Here are some helpful questions to ask:
- Assess your family's medical needs. How much treatment have you received in the past few years? What types of treatment did you receive? Do you see specialists often?
- Would you rather have more provider options and have the ability to go out of network, or would you rather have your primary doctor choose specialists for you?
- Are you located in a rural area and don't have access to many providers?
These questions will help you narrow down what type of coverage you need.
Assess Out-of-pocket Costs
In general, a plan with a higher monthly premiums and lower out-of-pocket costs is good if:
- You routinely see a primary care physician and specialist.
- You take expensive or brand-name medication.
- You have a chronic health condition.
- You often need emergency care services.
- You're planning to have surgery.
A plan with a lower monthly premium for a higher out-of-pocket cost is good if:
- You're in good health and you don't need to see a physician/specialist on a regular basis.
- You can't afford a high monthly premium.
Compare Specific Health Benefits
Once you've narrowed your options down, it's time to get specific about what's covered under your health insurance plan. Think about your health needs and concerns. Are you someone who would rather have emergency services covered, than health insurance abroad? Are you more concerned about mental health coverage than physical therapy?
The more specific you are about your health needs, the better your plan. To learn more, meet with us in person at Moon-Shina Insurance Solutions. We are happy to help those in the High Point and Greensboro, NC area obtain an amazing health insurance plan.
Contact us
today to schedule an appointment with one of our health insurance agents!