Determining your budget is important when comparing health insurance options, but it's also important to focus on these key factors to find the best fit for your needs as well:
The first thing to consider before starting your search is the services you expect to use most frequently: primary or specialist visits, prescription medications, bloodwork, mental health, etc.
Check if your preferred doctors, specialists, and hospitals are in-network to avoid high out-of-pocket expenses.
Review what’s covered, including prescriptions, preventative care, mental health, maternity, and specialist visits.
Coverage If you are taking brand, non-preferred brand, or specialty medications you may need to take this into consideration during plan selection. Referring to the insurance carrier’s drug formulary (approved prescriptions) ensures your medications are covered.
Some plans offer extras like telehealth, wellness programs, accident protection, dental, and vision coverage.
If you travel frequently, you may want to consider if your plan covers you in different regions. Life changes can also impact your plan selection such as childbirth, marriage, or changes in employment
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