Shopping for Health Insurance

The North Carolina Department of Insurance understands that choosing an insurance policy can be confusing. There are many things to think about when you are looking for health insurance because everyone’s needs are different. Here are a few things to consider.

How much will it cost? It is important to look at your total out-of-pocket costs including premiums, deductibles, co-pays and coinsurance. Generally, the lower your premium, the more you’ll pay in out-of-pocket costs.
Can I see my doctor? It is important to check with your hospital, doctors and other health care providers to see if they participate in the plan.
How does the plan work? You may need to meet a deductible before the plan begins paying claims. Most plans have a network of hospitals, doctors and other health care providers. Some plans may require a referral before you see a specialist.
When shopping for health insurance you may begin to receive email and telemarketer calls offering assistance. You can print this checklist to help you know what questions to ask or use these tips.