Finding a health plan and selecting the right amount of health insurance coverage is a big decision. We all have different needs and preferences when it comes to our health coverage. It’s important to choose a plan that’s right for you and your family. This four-step guide can help you get on the path to picking a plan.
Step 1: Do your homework.
Copay or coinsurance? In network or out of network? Health insurance terms can be confusing. Familiarizing yourself with these terms can help you better understand your own personal coverage, as well as make you a more informed consumer. You should always check with your health insurance carrier for their definitions, as these could vary.
Step 2: Pick a plan.
Open enrollment is here, that time of year when you can make changes to or purchase health insurance for you and your family — whether you’re Medicare eligible, purchasing insurance through your employer, or purchasing it directly through a health insurer like Sharp Health Plan, a broker or the Covered California insurance exchange. Learn more about buying insurance during the open enrollment period, which ends January 31, 2018.
Step 3: Find a doctor.
Step 4: Use your benefits.
The Affordable Care Act allows many people easy access to preventive screenings without a copay. Many health plans also offer wellness programs to help you set and meet health goals. Learn more about preventive screenings and make a plan for the new year.
Learn more about health insurance and how to find a Sharp doctor who accepts your plan.