Health insurance provides several options for covering the expenses associated with receiving medical care. Finding the best coverage for your needs and budget, though, can be challenging. Choosing the right plan can be time-consuming, so here are some pointers to help you move quickly.

A Guide to Choosing a Health Insurance Plan

1. Consider the Network's Providers

The term "in-network" is used to describe a set of medical professionals who have made prior arrangements with an insurance company to offer discounted services. If you want to keep your costs down, it's best to stick with providers within your network. 

Check to see if your preferred doctors and hospitals are part of the plan's network. If they aren't, you'll need to find a new doctor or be prepared to pay more per appointment.

2. Look at the Benefits and Exclusions

Think about what other benefits you might need and whether they are included in the plan you're considering. Chiropractic care, drug rehab, counseling, and even experimental treatments could all be on the table as potential perks. Make sure the plan covers your ongoing medical expenses, including any necessary prescriptions.

3. Calculate Your Total Out-of-Pocket Expenses

The cost of health insurance includes more than just the premium paid each month. Most plans also subject you to potential out-of-pocket expenses for medical care.

The deductible is part of this, as it is the money you have to spend before your insurance kicks in. Find out how much money you'll spend overall to see if a plan is affordable.

If you need help choosing the best health insurance plan for your needs, turn to the professionals at Hummel & Plum Insurance Agency. For nearly 120 years, these reputable agents have worked with residents throughout Chillicothe, OH, to find the right coverage for everything from their cars to their homes. Give them a call today at (740) 773-1620 or visit their website to learn more.