Picking the right health insurance in Atlanta
Health insurance in Atlanta is one of those giants that most people would rather just ignore than deal with. However, just because health insurance can seem overwhelming, doesn’t mean it isn’t important—quite the contrary, in fact. So, how do you navigate this ocean of confusion to come out with the best health insurance package that’s right for you? Here are three tips:
1. Compare, compare, compare. What can initially look like a great deal on Atlanta health insurance could end up costing you more money in the end. If one plan’s premium is $250 per month, but it has a $45 co-pay every time you visit the doctor, then it may be less cost effective than the $265 plan that only has a $20 co-pay. This is particularly true if you have multiple doctor’s appointments every year. On the other hand, if you only see the doctor once a year, the cheaper premium may make more sense for you. Comparing policies takes a lot of time, but it is absolutely necessary if you’re going to get the best health insurance coverage.
2. Figure out what’s important to you. Plans that allow you to see any doctor that you want are generally more expensive than plans with their own preferred provider list. If you don’t have a preference regarding doctors or facilities, this may not be an issue. If you are loyal to one doctor, though, you’ll want to be sure that the plan you choose has that provider on their list, or you’ll have to pay more for the liberty to go out of network.
3. Scrutinize every aspect of the potential policy. It’s a nightmare to think you’re covered for something, only to find out that you’re not when you need it most. If you have a lot of prescriptions, you’ll want to make sure that your policy covers the drugs that you need without spending a fortune in deductibles first. If you think there’s any chance that you’ll need the services of a mental health provider, the policy that you choose should make these services available to you. Look for any loopholes that could prevent you from getting the type of care or coverage that you need and keep shopping if you find them.