The Affordable Care Act has opened the doors for many Americans not only to have access to quality health insurance, but also to have the ability to choose a policy that meets their individual needs. Previously, you may have been unable to make decisions about who your insurer was, what types of coverage you had or what types of appointments, doctor access and services you need. With the Affordable Care Act, you can now make better decisions about your needs and even specifically select a policy that offers the protection you want.
What to Look for in a Health Insurance Policy
Put aside the plan options available to you right now. Sit down with a piece of paper and ask yourself what your needs are. What types of coverage do you need? This may include a specific doctor being covered, a specific type of provider, a specific hospital or a specific procedure. You may also want to consider your current health and expected health needs over the next year or so. Do you plan to have a baby? Will you need surgery? What types of screenings does your doctor recommend for you at your age?
By asking yourself these questions, you can then get an idea of what you want and need. From there, you can begin to compare policies to get a better idea of which is right for your needs. In addition to these factors, also consider the following:
- How much do you want to spend out-of-pocket for your health care?
- Does a lower premium matter to you more than having to pay more at the doctor’s office for co-pays?
- Do you need prescription medications and, if so, do you want access to the name brand, high tier products?
- Do you wish to keep your current doctors?
- Do you want to have a policy that offers a high deductible and lower out-of-pocket expenses and premiums?
It is important to consider all of these factors, and much more. You do not have to make those decisions yourself. Perhaps what is most important for individuals and families is using an insurance agent to help you to make policy decisions based on your needs and your budget.
Get the coverage you need. Call Simpson Financial Group at (877) 727-7780 for more information on Boston ACA health insurance.