Available Providers and Locations – If you and your family like using certain doctors or getting care in certain locations, make sure they are “in-network” for the plan you choose. You can verify this information from the health plan. If they are not “in-network,” you will have to pay more money out-of-pocket to continue seeing or using them.
Cost – The amount you pay each month, aka your “premium” will vary depending on the plan you choose and the number of people who will be covered, such as your spouse and children. Also, pay attention to:
Copays – which you have to pay each time you see a provider; and
Deductibles – which is the amount you have to pay for covered services before your health plan begins covering your medical costs. Your copays generally do not count toward meeting your deductible requirement.
Other Services Offered – Some plans offer expanded services such as virtual health, mental health services, and fertility services (if you’re looking to start a family). Make sure you fully understand all the resources offered by the plan you’re interested in.