Tips to Consider When Shopping for Health Insurance

Tips to Consider When Shopping for Health Insurance

Health needs can change each year, and so can your health insurance coverage choices. We know how important it is to understand your options and can help you find the best coverage that fits your exact needs and budget. Since fall open enrollment is around the corner, we listed a few tips to consider when choosing your health insurance plan.

Understand your options

Whether shopping for a plan for the first time or simply evaluating your current plan, it’s important to take the time to understand and compare the benefits, services, and costs of each plan to help find what will work best for you. We can take of this for you easily and can help you stay informed, understand the health insurance lingo, and make sure to help answer questions about eligibility, plan choices, cost basics, prescription coverage, and more.

Check your prescription benefits

We can help you get the most out of your prescription benefits to help manage costs by looking into lower-cost alternative that may be available such as discounts, generics, and more. We can also help you find out whether you can save by filling your prescriptions at a participating network pharmacy or with mail delivery.

Anticipate next year’s health expenses

If you’re expecting a significant health change in the next year like a major diagnosis, surgery, or the birth of a child for example, we can help compare the differences between plan designs, including out-of-pocket maximums.

Consider an insurance plan with the convenience of virtual care

If you’re like most Americans, juggling work, kids, schedules, and other responsibilities, you may want to consider connecting with your doctor from the convenience of your home. We can help you select a plan that includes 24/7 virtual care, designed to be an easier, more affordable way to communicate with doctors over common health issues.

Check for mental health coverage

Now more than ever, mental health has become a forefront in importance for caring for your overall well-being. In addition to in-person care, there are plans that allow access to a large virtual health network of therapists and psychiatrists, often with $0 copay.

Consider wellness programs

Many health insurance plans now offer incentives that reward individuals on making healthier choices and actions like completing health surveys, exercising or avoiding nicotine. Some plans may even offer gym memberships and wellness programs to members at no additional cost.

Specialty benefits

Additional benefits like dental, vision, hearing or critical illness insurance are often available to help protect you and your loved ones, while contributing to overall well-being.

Questions? We’re happy to help — just give us a call! Our expert agents take the time with you to make sure you are taken care of. We’re the number one health insurance agency in Coral Springs and Parkland!

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