Selecting individual health insurance in California is not an easy job. Whether you are selecting a plan through your employer, your own plan because you’re self-employed, or looking for a supplement to your Medicare coverage, there are many different plans with different coverages to choose from. It can be difficult to know where to begin comparing. Here are some ideas on coverage options to look at, so that you can get an idea of how the plans compare to each other.
- Preventive care and checkups, office visits, and prescription drugs. These are items that most people, even those that are very healthy, will use and take advantage of in their health insurance coverage. Check out what kind of deductibles must be met, what co-pays there are, and what wellness services are covered.
- Inpatient hospital and outpatient surgery. Sooner or later, most of us will end up needing some sort of surgical procedure, whether we need to stay in the hospital or can have it done as an outpatient. Check out what each plan covers, and make a decision based on your current and expected future health.
- Other services such as maternity, chiropractic, physical therapy, dental, hospice, etc. Not everyone will need all of these services, but if you think that you will need any of them, take the time to compare what the plans offer.
The independent health insurance agents at Benefit Packages have many years of experience in recommending policies to people at various stages of their life. They can help you narrow down your choices to a few that are appropriate for your age, and general health.