Knowing what questions to ask makes it easier to find the best plan for your needs. We can help.
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How to Choose a Health Insurance Plan
Health Insurance Basics
What to look for when picking a health plan
Helpful Definitions
| Premium: | The price you have to pay each month for your insurance plan. |
| Deductible: | A fixed amount a member must pay during a given time period, usually a year, before their health insurance benefits begin to cover the costs. |
| Copay: | A fixed amount paid by a member for receiving a particular health care service, with the remaining balance usually covered by the person’s insurance company. |
| Coinsurance: | The percentage of costs of a covered health care service you pay, usually after you’ve paid your deductible. |
| In-network: | When a doctor, hospital, or other provider accepts your health insurance plan, we say they’re in-network. We also call them participating providers. |
| Out-of-network: | When you go to a doctor or provider who doesn’t take your plan, we say they’re out-of-network. |
| HMO: | Stands for health maintenance organization. These are health plans that offer care through a network of doctors, hospitals, and other facilities and may require you to get a referral from your primary care provider (PCP) for certain specialty services. |
| PPO: | Stands for preferred provider organization. These are health plans that offer the flexibility to see in-network and out-of-network doctors. |
Explore Your Health Insurance Options
Learn when you can add or switch plans and when you have the most choices. You can also learn when to enroll if you have a life-changing event.
If you receive health coverage through your employer, check with your benefits administrator for more details.
