Questions to Ask Before Deciding on a Health Insurance Plan.


family deciding on health insurance.

Are you getting ready to switch health insurance plans? If so, it’s essential to understand certain aspects of each plan that you are considering. One way of getting a comprehensive picture of each plan is by knowing what questions to ask your insurance agent. Today, we’ll be discussing some of the most important aspects that you can examine when deciding on a health insurance plan.

Continue reading to learn more, and if you are ready to find a new health insurance plan, it’s time to contact Medi-Solutions Insurance Agency. Our agents are extremely knowledgeable and friendly. We are here to answer any and all of your questions so that you can make a decision that you are confident in. Contact us to get connected to an agent today.

What Type of Health Insurance Plan Is It?

One of the first questions you should ask when searching for a health insurance plan is, “What type of health insurance plan is this?” Is it an indemnity plan or a managed care plan? And, if you are unsure of the difference, you should inquire about that as well.

Indemnity plans are known as fee-for-service plans and usually require you to pay a monthly premium and you’ll also have a yearly deductible with a coinsurance rate after the deductible is met. With an indemnity plan, you are able to choose your doctor’s offices without worrying about staying in-network. 

A managed care plan includes both health maintenance organization (HMO) plans and preferred provider organizations (PPO) plans. Managed-care plans often have lower out-of-pocket costs, but you are required to see doctors who are in-network.

family deciding on health insurance.

How Much Does It Cost?

When considering a health insurance plan, it’s essential to understand all of the costs involved including your premium, deductible, coinsurance, and co-pays, if applicable. You’ll also want to know if there is an out-of-pocket maximum with your selected plan. When you choose to work with an agent from Medi-Solutions Insurance Agency, we’ll ensure that you understand the costs of each plan so you can make an informed decision. 

Are Routine Examinations Covered?

Most HMO and PPO health insurance plans will cover the costs of preventative examinations and medications. This typically includes a yearly visit to your primary care physician, immunizations, and other preventative care. Not all health insurance plans include preventative care, specifically indemnity plans, so it’s important to ask this question.

Are My Current Doctors In-Network?

If you have a doctor that you prefer to see, it’s important to make sure that you can continue to see them with your new health insurance plan. With an indemnity plan, you can typically use whichever doctor you like. However, HMO and PPO plans require that you see doctors that are in-network in order for you to receive the maximum benefits from your plan. When shopping for health insurance, bring a list of your preferred doctors, hospitals, and clinics so that you can ensure that you can continue to see your current doctors.

What Benefits Are Included?

When choosing a health insurance plan, it’s essential to understand exactly what benefits are included. Will you have prescription drug coverage with this plan? Is there vision or dental insurance included? Or, can you add these benefits for an additional monthly cost? Having a thorough understanding of your benefits is important if you want to compare plans and get the most coverage for your money. 

Medi-Solutions Insurance Agency Can Help

Deciding on a new health insurance plan can be difficult. There are so many different options out there, and it can be hard to compare each and ensure that you’re paying a fair price for the coverage that you need. When you work with Medi-Solutions Insurance Agency, our experienced and friendly agents can help you choose a health insurance plan that is within your budget and provides you with the benefits that you’re searching for. Contact us today to learn more.

Disclaimer: Medi-Solutions Insurance Agency, LLC is not connected or endorsed by the US Govt. or Federal Medicare Program.

Other articles:
Learning Center.



Get An Instant Insurance Quote Now.