By Michael G. Murphy
You may think the premium connected to your health plan is the most important factor when making a decision about coverage. While the cost of health insurance is important, you should examine the value you are getting for the price. Here’s what else to consider when selecting your ideal health plan:
A health plan with a low monthly premium may be tempting, but if you visit doctors often, your out-of-pocket expenses may add up to more than you were hoping to save. Always compare the cost of buying the health plan with the cost of using the health plan.
If you have a strong relationship with certain doctors and other providers, consider if they are a part of your potential health plan’s network. This will help minimize out-of-pocket costs. Often a provider directory can be easily accessed from a mobile app where you will be able to search for a doctor’s name, a symptom, or their location.
Between telemedicine appointments and text message reminders for preventive screenings, technology can greatly improve your experience with your primary care provider. Other valuable resources like health coaching and wellness programs can help you reach your health goals quicker and give you overall peace of mind.
Your mental health is just as important as your physical health. Often, your mental health is directly connected to your physical health and vice versa. Consider if your health plan offers virtual or in-person behavioral health services that suit your unique needs.
Did you know there are a range of resources that can come with your health plan? From user-friendly mobile apps and websites to live customer service representatives who are readily available to answer your questions, select a health plan that provides services that will help you on your health journey.
About the Author: Michael G. Murphy is vice president of sales at AmeriHealth.
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