Of course, you would want the best individual health insurance for yourself.
You can have any health plan in the marketplace but who will guide you through the process of choosing the best Individual Health Insurance? Not all medical plans available to you are suited for your personal lifestyle and budget. Health Plans in Oregon is here to help. The process of choosing health insurance can be tough. These tips will surely help you in looking for the best Individual Health Insurance:
1. Know what you will need.
There are injuries and illnesses that are unforeseeable. However, there are health matters that you can perceive such as maternity and diseases that runs in the family. It is better to choose individual insurance that will cover these circumstances.
2. Pay attention to what you will be paying.
If you are relatively young and healthy, it is to best to opt for a plan that has a high deductible to save on monthly premiums.
3. Review the network.
It is better if your chosen doctors are in the network of the policy you consider buying. Health plans generally cover a smaller share of cost of out-of-network care — or none at all.
4. Watch your out-of-pocket expenses.
No need for guessing, plans are subjected to tell how much you’ll pay out of pocket, through co-pays and co-insurance. When you get an illness, seemingly small co-pays can add up. And a costly procedure could leave you obligated to pay thousands in co-insurance.
Other things you need to know:
- Plan category: There are 5 categories of Marketplace insurance plans: Bronze, Silver, Gold, Platinum, and Catastrophic. The health plan category you choose determines how you and your plan share the costs of care.
- Monthly premiums: This is the amount you pay your insurance company for your plan whether you use medical services or not. Monthly premiums are important, but they’re not all you need to think about.
- Out-of-pocket costs: It’s important to know how much you have to pay out of your pocket for services when you get care. You pay these out-of-pocket costs in addition to your monthly premiums.
- Type of insurance plan and provider network: Different plan types provide different levels of health coverage for care you get inside and outside of the plan’s network of doctors, hospitals, pharmacies, and other medical service providers.
- Benefits: All plans sold through the Marketplace provide the same essential health benefits, cover pre-existing conditions and offer free preventive care services.
Save your money and get assistance for free.
Some consumers solely rely in online research for their health plans — but without guidance, it surely is harder. As a local, licensed insurance consultant since 2006, Health Plans In Oregon provides help at no cost to Oregonians when it comes to finding the best individual health insurance in the market. Compare policies side by side, reach us through 503-928-6918 or email info@healthplansinoregon.com.
Also see:
Your Guide To Oregon Health Insurance
Affordable Health Insurance For Young Adults
