3 common mistakes you’re making when selecting a health plan

A health plan may be one of your significant purchases each year. Traversing through the process may be tricky at times however when you dive into the particulars, you will be making the best possible decisions for protecting yourself. However, to get there, you must avoid expensive mistakes that may harm you in the future.

Here are three things mistakes to look out for when selecting an affordable health plan:

1. Lack of research on health plan

By not investing adequate time to research all available options, you run the danger of having your preference fail to meet your unique health and budget needs. You may also miss choices organized to make your health care more straightforward and more inexpensive.

Selecting a plan that covers your general and unforeseen needs demands thorough deliberation of prices and usefulness, along with answers to these types of questions:

  1. How frequently do you see a doctor?
  2. Do you take prescription medicine regularly?
  3. Do you have any medical procedures or surgeries planned?
  4. Are you preparing to expand your family in the future?
  5. Do you intend to give them health cover?

Consider blocking off time to review and understand all your options for different scenarios, so you can choose the appropriate coverage for 2022.

2. Misinterpretating costs

Some people concentrate only on the price of premiums and forget to consider other health care costs, such as:

  • Copays
  • Deductibles
  • Out-of-pocket payments
  • Prescriptions

These are all significant factors in determining your total annual cost and benefits of health care. It may be helpful to sum your expenditure on health care for a year to see which care plan will be the best for the coming year.

If you need a refresher on DiagnoStar’s offerings, watch this video.

3. Failing to verify your health plan coverage

Don’t presume your doctor and/or prescription drugs are all covered in your new care plan.

Whether you’re taking regular prescriptions or specialty medications, their cost varies based on each plan. Check to see if the plan you’re considering covers generic and brand-name versions of your drugs. Also, make sure you receive your medications from a pharmacy that’s in your network; otherwise, they may not be covered, or you may pay more.

To learn about different affordable health plans options, visit diagnostar.com.