Questions To Ask Yourself When Choosing A Health Insurance Plan
Choosing a health care plan is such a daunting task. None of us want to need a health care plan. You have to put so much time and thought (and money) into something that you hope you never, ever need. That’s certainly not as enticing as picking out a vacation spot or a new car. Choosing a plan can also feel like a gamble sometimes. If you make one little choice wrong here or there, it can cost you thousands of dollars in the future. When you’re picking out a health insurance plan, it’s one of the few times in life that being optimistic and expecting the best is a bad idea. The whole point of health insurance is to be prepared for the worst. But, you can’t have a total doomsday attitude or you’ll wind up paying for add-ons that really don’t apply to you. Here are questions to ask yourself when picking out a health insurance plan.
Does it cover my primary care doctor?
You have a relationship with your current primary care doctor. She knows your history. You have a rapport with her and feel comfortable telling her everything. If you change primary care doctors, you’ll have to have all of your documents transferred to your new doctor. For some, having to do that isn’t a hassle, and they are comfortable talking to new doctors. But if that’s not you, check to see if your new plan would cover your old doctor.