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Comparing Health Insurance is as Easy as Buying Jeans

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2nd Nov 2020




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It's a common misconception for individuals both in the United States and around the world that choosing a health plan is a complicated undertaking. While you may be facing a wide variety of health insurance options, finding the right health insurance coverage doesn't need to be overwhelming.

You simply need to understand what level of coverage you need, whether you're eligible for a special enrollment period, and if you qualify for discounts or special programs like Medicare. Here's what you need to know to choose a health insurance plan with ease. 

Start with the basics.

Think about the last time you went shopping for a new pair of denim jeans. Typically, you only look at denim that matches your style and fits your budget, right? While you may browse the final sale items, you'll probably want to start with new denim that has the perfect hem. Luckily, the same can be said for your health insurance coverage.

Oftentimes, you're going to want to compare plans by budget. There are few exclusions to this rule, such as when you're purchasing family plans, signing up for programs like Medicaid, or are eligible for discounts that will keep you from paying full price on your health insurance coverage. When you're ready to compare a few plans, you'll want to visit a health insurance coverage marketplace. Typically, you'll need to put in your email address, mobile phone number, and a few pieces of key information to use this online tool. Since the health insurance marketplace is part of a federal government website, you can rest easy knowing that your information won't be shared.

Once you've answered a handful of prompts, you'll be directed to a variety of different plans that you can then filter. Often, buyers filter by out-of-pocket cost, emergency room expenses, and added discounts. Some will also look for plans from affiliates that include dental care, vision coverage, and more. You'll also receive important deadline reminders for enrollment periods.

Use an online comparison tool.

If you're ready to buy health insurance from your local health insurance marketplace, you may want a more comprehensive tool. Some comparison tools are a bit more surface-level than others which can be frustrating for prospective buyers. Of course, this will vary by your unique needs. If you need a more in-depth look at your potential coverage, you'll want a comparison tool that covers more bases. If you simply need the minimum amount of coverage, you'll probably be looking at plans by their prices so you're not paying full price for high levels of coverage.

You can also use tools to compare Medicare Advantage plans and Medicare supplement plans as well. Look for a comparison tool that has a human services department. The human services team can provide text help (depending on your data rates) and help you choose a plan that fits your needs and your budget. If that isn't working for you, you may want to contact an insurance broker. They can help you understand more about health insurance waiting periods and how these can impact you when you're ready to enroll.

Review your decision.

Whether you're choosing a Blue Cross plan or you're going with a smaller network, you're going to want to look at a few key items before you click the checkout button. First, look at the brand's privacy policy. You want to make sure they're respecting your data. Then, look to see whether or not your premiums or services are subject to change. Finally, if you've given out your mobile phone number, determine the message frequency so you're not constantly being texted by your provider.

Finding the right insurance can truly be as simple as picking out a new pair of skinny jeans or denim shorts. As long as you know what you need and prefer and you're reviewing your out-of-pocket costs and comparing health insurance plans, you're setting yourself up for success.