3 Vital Guiding Questions To Ask When Renewing Your Health Insurance Plan

Posted on July 30, 2018 by

health care services

Emergency medical care, urgent care, routine health care services, and general family medicine are all important to keep in mind when dealing with health insurance renewal. As of 2016, about 91.2% of the U.S. population was enrolled in some sort of healthcare plan.

While this percentage is good, many families slip through the cracks because the health insurance marketplace can be a complicated logistical maze to maneuver. Health care services and the plans they support are always in flux. The same goes for the health care services needed by individuals in your family. When it comes time to renew and/or choose a new health insurance plan, will you know how to go through the process? We have some important questions for you to consider when facing the marketplace.

Are you getting what you need most?

Every person and every family has ranges of medical needs they need filled most. What do you need most from your health insurance plan? Perhaps you need prescription coverage for a list of essential medications. Perhaps you have no medication but need access to urgent care services. Per family, per person, these needs differ. It’s up to you to ask — before you start paying for a plan — what you need the most from it.

What does the network look like?

Unfortunately, doctors, clinics, hospitals, and other health care services don’t remain in static networks. When getting a new plan or renewing your health insurance, it’s important that you make sure whatever services you’ve been enrolled in are still within the network and plan you’ve chosen.

What’s the real cost of coverage?

What are your planned medical expenses over the next year? It’s obviously difficult to plan all medical expenses, but knowing of physical therapies, upcoming procedures, specialist checkups, medications, etc. can help gauge the approximate knowable cost of your annual health care services. For instance, a deductible is an amount you must pay out of pocket before a health insurance plan begins coverage. There are many expenses to keep in mind and it pays (literally) to consider them before choosing an insurance plan.

We know the world of health care and insurance can be intimidating, but it’s necessary for your health. We’re here to keep you aware, asking questions, and advocating for yourselves. Keep learning, keep wondering, and stay healthy.