Sunday, April 08, 2007
There are three most important factors to be considered when evaluating your California Health Insurance plan.
Benefit
Price
Providers
Health care plans can differ in many ways. We are trying to simplify the process of comparing different plans by just focusing on three factors: benefits, price and providers.
1. Benefits: Once you are clear with the idea and type of plan with general benefits you are interested in, you further need to look closely at the details of what is actually covered and what is not covered. We recommend you to look at the below listed benefits for further clearance:
Doctor's office visit co-payment that may range from $5 to $20 per visit.
Hospital co-insurance percentage that is usually 100 percent to 80 percent.
Prescription medicine co-payment mainly for general and brand-name drugs.
Out-of-pocket maximum, or with "stop loss," after which the insurance company need to pays 100 percent of costs.
2. Price: On monthly basis, you should compare other plans with similar benefits. Everyone prefer going for lowest priced plan with the maximum benefits; there are many ways to lower your cost and still offer your employees top-quality.
3. Providers: This is where the rubber meets up with the road. Are the doctors, which you and your employees need in the provider network of the plans you're considering? We could help you in comparing different plans' provider networks. We could also give you suggestion on provider-related issues like how best to choose providers and varieties of plans' policies regarding changing providers. If you're looking for a primary care physician (PCP), we would suggest you to visit the office of the doctor you're considering and speaking with the people there; see if you get a positive experience. Regarding the second issue: Most HMOs do allow you to change your PCP at least once a month, if in case you notify the insurance company by the 15th of each month for a change beginning the first of the following month.
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