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How to Pick a Health Insurance Plan | |
Here at Total Benefit Solutions Inc, we pride ourselves on helping Individuals choose a Health Plan that works for their Family and their budget. Choosing a health insurance plan can be complicated, which is why we recommend calling a Broker to help you choose a plan and step-by-step through enrollment. However, knowing just a few things before you compare plans can make the process simpler. The 4 "metal" categories: There are 4 categories of health insurance plans: Bronze, Silver, Gold, and Platinum. These categories show how you and your plan share costs. Plan categories have nothing to do with quality of care. Your total costs for health care: You pay a monthly bill to your insurance company (a "premium"), even if you don't use medical services that month. You pay out-of-pocket costs, including a deductible, when you get care. It's important to think about both kinds of costs when shopping for a plan. Plan and network types — HMO, PPO, POS, and EPO: Some plan types allow you to use