In choosing a plan, you have to decide what is most important to you. All plans have tradeoffs. Ask yourself these questions:
How comprehensive do I want coverage of health care services to be?
How do I feel about limits on my choice of doctors or hospitals?
How do I feel about a primary care doctor referring me to specialists for additional care?
How convenient does my care need to be?
How important is the cost of services?
How much am I willing to spend on premiums and other health care costs?
How do I feel about keeping receipts and filing claims?
You might also want to think about whether the services a plan offers meet your needs. Call the plan for details about coverage if you have questions. Consider:
Life changes you may be thinking about, such as starting a family or retiring.
Chronic health conditions or disabilities that you or family members have.
If you or anyone in your family will need care for the elderly.
Care for family members who travel a lot, attend college, or spend time at two homes.
