Tip 1 – Prioritize what is most important to you in a plan, so comparisons will be easier to make.
Most people will prioritize the following aspects of a health plan differently, but the following factors are very important when comparing health insurance plans that may be similar –
- Access to specific doctors, specialists,hospitals and clinics (the provider network)
- Costs –
- Monthly premium (low premiums usually mean high out-of-pocket costs)
- Prescription costs
- Deductible level
- Maximum out-of-pocket costs
- Quality of the health plan (how the plan is rated by the National Committee for Quality Assurance, NCQA)
- Perks – Does the plan have a wellness program that reimburses you for healthy activities, such as Fitness FirstSM & More?
Tip 2 – When you’ve narrowed down your comparisons to a final few health insurance plans, go online.
When other factors are equal, comparing health insurance plans may come down to convenience. Check out the insurance company’s websites and find out if –
- You can enroll online
- Claims and deductible accruals are available online
- e-Visits are available
- You can pay premiums online
Tip 3 – Call customer service.
Health insurance is very important, so it’s vital to gauge the responsiveness, accuracy and friendliness of each company’s customer service. You want to know how members are treated in case you have a question about a claim or a benefit. How a company treats its members is a key difference when comparing health insurance plans.
Questions? Give our helpful and friendly customer service representatives a call at 800.362.3310, or review and compare our health insurance plans.