It might be tempting to buy a health plan based with the lowest monthly premium, but if you do, you might be surprised at your costs at the end of the year. So, when you compare plan prices, it’s important to estimate your total yearly costs so you can find a plan that meets your needs and budget.
Here are some things to think about.
Consider what you might need to spend:
The second is how much you need. Each year can be different, but you can get a good idea of how much you might need for you and your family. Consider:
Factor in non-medical considerations. If you choose a plan with a high deductible, a Health Savings Account could allow you to lower costs saving some of your income in a tax-free account used to pay for qualified medical expenses. Consult with your broker for which options work best for you.
Want to talk with someone at Community Health Options about which plan to choose? Call us at (855) 624-6463 from 8 a.m. to 6 p.m., Monday through Friday, or email us and we’ll get back to you.
Follow @communityhealthoptions on TikTok for quick tips and tricks on how to buy and use a health plan. And don’t forget to follow Community Health Options on LinkedIn, Facebook or Instagram.
Let’s face it. There’s a lot of health-related information on the internet. Not sure whether that lingering cold needs some antibiotics? Google that and you’ll get bundle of responses, but it’s often not easy to know which source to trust.
Community Health Options offers its Members a solution with access to Healthwise®, which like Health Options, is a nonprofit organization dedicated to your health and wellbeing. Through Healthwise, you can search for symptoms and find solutions that fit your needs. And that search won’t yield questionable results. Instead, you’ll get unbiased, evidence-based and research-driven answers to your most pressing health questions.
You can, of course, search for information about physical symptoms, but you can also search for topics that support your mental and emotional wellbeing. For example, start typing “optimism,” and you’ll be taken to a page with resources to help you work through negative thoughts and anxiety.