these we must pay close attention to how every dollar is spent. If you’ve lost your California health insurance or otherwise need to get health insurance, it’s more important than ever to get the coverage you need to protect your family’s finances without paying for coverage you don’t need.
PPO, HMO, HSA…with so many California health insurance plans to choose from, how do you know which health plan is right for you? With hundreds of health plans available in California, it can be difficult to decide which health plan is best for you and your family.
It’s important to compare premium quotes from different health plans, but what benefits do you get for your monthly premium? Look beyond just the quoted premium of a health plan and consider what benefits in a health insurance plan are most important to you.
Focusing on the benefits you need most is the first step in finding a health insurance plan that not only offers the protection you need, but is affordable as well. The health plan with the lowest premium may not give you the financial protection you need if you get sick, have an accident or otherwise need to seek medical attention. A comprehensive health plan that covers a wide range of services and benefits may cost more in premium, but could actually save you money over a basic or “catastrophic” plan on the other end of the spectrum where you would pay a much larger share of the costs when you receive medical care.
Here are some tips to help you narrow down the list of California health insurance plans when deciding which plan will be the best fit. Start by deciding which type of benefits are most important to you. What benefits have you used most in the past? How much of the medical expenses could you reasonably pay yourself if you have a major m