Kaiser Permanente Health Insurance Plans for Individuals and Families
Comparing insurance companies health plans is a very important part of the process of choosing a health care provider. While you may believe that every insurer offers the same plans simply because they are named the same thing (HMO, PPO, POS, etc.), the truth is that each one has differences in their plans to set themselves apart from other insurance companies, so that they can hopefully get your business. If you aren't comparing the specific health plans before you make your purchase, you may be missing benefits that you need or a special offer that might just be a deal breaker for you.
Here are the specific points you need to review when comparing plans. Carefully read through every aspect of the plans that you are considering.
Look at both exclusions and provisions. If there is a chance you will need maternity coverage, look into that now. You do not want to discover in the midst of an illness, or pregnancy, that something vital is not being covered in your insurance.
Think about your current health and medications. You will want to consider options such as covering pre-existing conditions and whether or not you want to include a prescription plans. Families with small children and those with chronic illnesses tend to spend a lot on medications.
Do you have a doctor you love? Consider how much flexibility that you will need in terms of your doctor choice and when you can see a specialist. Plans with networks can tie you to specific providers.
Other things like optional dental and vision coverage can cost or save you a lot of money each year. Plus, your deductible, co-pays and premiums will vary from plan to plan. This can make or break the viability of plan if it doesn't meet your budgeting needs.