Top 6 Things to Know: To get the Best Healthcare Insurance Plan, Look at these 6 Aspects

Not shopping around can cost you. Find an agent who represents MORE than one carrier (SVL represents United Healthcare, Blue Cross Blue Shield, National General, etc.).
Did your agent explain to you that there are ACA Plans/Obamacare Plans and Non-ACA plans? If you do NOT have a major pre-existing condition like heart disease, cancer, AIDS, etc. then you have more options that just an ACA plan.
Is your doctor in-network? (We go online to make sure your doctor takes your plan) Making sure your doctors participate with your health plan is one of the most important parts of picking the right policy. Out-of-network care can be very expensive.
Make sure your drugs are covered (We always check online to find out if your meds are covered and how much they will cost). Don’t forget to check which pharmacies participate with your plan (we check for you too 🙂
Look BEYOND premiums (We help you choose your premium, deductible, etc.) A plan with a low monthly premium may be more expensive in the long run if doctor visits or prescriptions come with high out-of-pocket costs throughout the year. To get a true sense of what you’re healthcare costs are likely to be, look beyond your monthly premium to understand each plan’s deductibles, co-pays and coinsurance.
Make sure your plan covers CATASTROPHIC events..that’s really the number one reason why we get healthcare insurance, right?