How to choose the best health care plan

at-rxFor most health care plans are vital to ensure that you can afford hospital and medicine if you so need it during the year. Although some people’s health care is fully covered by their employer, some employees will have to contribute 20%-30% of the annual cost. This is mainly because health care has increased and most companies find it difficult to absorb the entire cost.

You may also have certain life events that should signal a change in your health coverage. For example, if you get married, have a baby, or send the kids off to college. Therefore for whatever reasons you need to review your health cover, here are the areas you need to consider before making a decision.

What is right for your family –There are mainly two types of plans, one that will reimburse you for visits to a doctor/ hospital plus prescribed medication. The other is a managed plan that will offer you a list of doctors and hospitals that you can choose from when you are sick. It is important that you understand what services are best for you.

Talk to your doctors – If you are comfortable with a certain doctor for your condition, you should ensure that this doctor is on the managed list, stated in your plan. It is also important that when you switch plans, the doctors you currently require are seeing patients.

Check quality – Once you have selected a plan, visit the Web site of the National Committee for Quality Assurance and review the plan’s “report card.”