1 Take into account the 5 categories of insurance plans: bronze, silver, gold, platinum or catastrophic. Depending on which one you choose, the costs and benefits vary.
2 The Monthly premium represents what you will be paying the insurance company no matter if you use their services or not.
3 Last but not least, keep in mind that different types of plans or providers may offer special benefits when you visit certain doctors or medical facilities.
Now that the main aspects of insurance plans have been taken care of, here are a few additional key things to know when picking an individual health insurance policy.
1 While you may be inclined to acquire the priciest insurance plan, make sure it comes with the necessary “must haves.” You need to identify if you have a history of medical issues in your family and make sure that plan covers it.
2 Don’t buy more than you need; most insurance companies will try to offer the priciest plans they have: you seldom need it and make sure you always go for what you really need.
3 Take in account what amount you can easily handle per month and try to choose something a bit lower.
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