CHOOSING HEALTH INSURANCE IS AN IMPORTANT DECISION. IF YOU KNOW THE KEY FACTORS TO CONSIDER, MAKING THE DECISION MAY BE A LITTLE EASIER.
- Type of Plan
Plan types are divided into levels, depending on how the costs are structured. Plans with a lower premium and higher out-of-pocket costs are in the catastrophic and Bronze levels. Plans with a higher premium and lower out-of-pocket costs are at the Gold and Platinum level.
Estimate how often you will go to the doctor or how many prescriptions you use. This may help you choose the health insurance benefits you need. If you’re healthy and rarely go to the doctor, the right choice may be to apply for a bronze level health insurance plan with low premiums. If you regularly see a doctor and use prescriptions, it may make more sense to apply for gold or platinum level health insurance. That way you pay less when you see the doctor or buy prescriptions.
- Type of network
Before you apply for a health plan, check the provider network. If you have a favorite doctor, hospital or clinic, make sure the plan you pick includes them in its network. You may also want to check if the network includes top-rated hospitals and specialists. You never know when you may need state-of-the-art health care.
Not all health insurance companies provide the same level of service. Look for health plans that are highly rated by the National Committee for Quality Assurance (NCQA). If you choose a highly-rated health plan, you can expect high levels of customer satisfaction, claims processing accuracy and provider quality.
Many health insurance plans offer additional benefits such as wellness programs. These programs may reward you for healthy activities. This may include cash towards gym memberships, health education classes or even buying produce straight from a farm. Unity’s Fitness FirstSM & More program offers these perks, plus discounts on massages, acupuncture, fitness equipment and more.
- Health Management Programs
If you’re planning a family, you may want to look for health insurance benefits that support pregnancy and childbirth. If you have a chronic condition, health management programs may help. Health management programs can focus on specific conditions such as asthma, diabetes, high blood pressure and other conditions. Benefits may even include health coaching to help you reach your wellness goals.
Making the right choice for health insurance is important. These tips cover the aspects of health insurance benefits that may help you select the plan that is right for you. Want to talk to an expert? Just call unity at 800.362.3310 and a friendly and knowledgeable customer service representative will happily answer your questions.