4. What Is Most Important to Me in a Plan?
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.
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