Guide to Choosing Health Insurance
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Guide to Choosing Health Insurance
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Investing to Thrive
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Expected # of
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Visits, Prescriptions
Plan #1Plan #2Plan #3
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1. Cost Structure
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Monthly Premium
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Co-Pay for Primary Care
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Co-Pay for Specialist
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Co-Pay for Urgent Care
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Co-Pay for Emergency Room
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Co-Pay for Prescription Drugs
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Co-Pay for Specialty Drugs
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Annual Deductible - Individual
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Annual Deductible - Family
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Co-Insurance
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Annual OOP Maximum
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Lifetime Maximum
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Best Case Cost
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Worst Case Cost
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Probable Cost
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2. Incentives
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Wellness Incentives
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Employer Contributions to HSAs/FSAs/HRAs
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Tax Benefit of Contributing to HSAs/FSAs
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Cost of HSA (maintenance fees, trading fees, etc.)
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Tax Credits - Marketplace Plans
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Discounts - Marketplace Plans
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Credits, etc. Given to You (less HSA costs)
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TOTAL COST (EXPENSES LESS CREDITS)
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3. Plan Features
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Provider Network
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In-Network Depth Acceptable (Yes/No)
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Out-of-Network Penalties (No or Partial Reimbursement)
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Formulary
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Prescription Drug Coverage Acceptable (Yes/No)
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Preventive Care Coverage (Yes/No)
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Essential Health Benefits that you'll need (Yes/No)
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Dental Care (Yes/No)
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Vision Care (Yes/No)
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Referrals - Ease of Using System
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Overall Anticipated Satisfaction with Plan
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