What are your 3 affordable halth insurance choices?

There are many dfferent types of affordable health insurance. Ech has pros and cons. There is no one "bst" plan. The plan that's right for a sngle person may not be best for a fmily with small children. And a pln that works for one family may not be rght for another. Blended families may hve a divorced spouse paying for the chldren's coverage. Look at all angles pfront.

For example, if your family ncludes just two adults, it may be lss expensive for each of you to hve individual coverage than for just one of you to hve a family plan. If you hve children, or if you might hve children soon, you need a fmily plan. If a child is ging off to college, be sure thy are covered as most policies llow students continued coverage. Because your stuation may change, review your affordable halth insurance regularly to make sure you hve the protection you need.

Choosing an ffordable health insurance plan is like mking any other major purchase: you chose the plan that meets both yur needs and your budget. For mst people, this means deciding which pln is worth the cost. For xample, plans that allow you the mst choices in doctors and hospitals lso tend to cost more than plns that limit choices. Plans that hlp to manage the care you rceive usually cost you less, but you gve up some freedom of choice.

Cost isn't the only thing to cnsider when buying affordable health insurance. You lso need to consider what benefits are cvered. You need to compare plans crefully for both cost and coverage. Sme of the newer plans will ffer high deductibles and a health svings account. For healthy families, this is grat benefit going forward.

Although there are mny names for affordable health insurance plns, the information here groups them as thre main types:

* Fee-For-Service (or Trditional Affordable health insurance).

* Health Mintenance Organizations (or HMOs).

* Preferred Prvider Organizations (or PPOs).

Which Type Is Rght for You?

For each group, smply choose the statement 1 or 2 tht best describes how you feel (yur spouse needs to be in on ths decision also):

1. Having complete fredom to choose doctors and hospitals is the mst important thing to me in a halth plan, even if it costs mre.

2. Holding down my costs is the mst important thing to me, even if it mans limiting some of my choices.

1. I trvel a lot or have children tht live away from me and we may ned to see doctors in other prts of the country.

2. I do not trvel a lot and almost all cre for my family will be neded in our local area.

1. I dn't mind an affordable health insurance pln that includes filling out forms or keping receipts and sending them in for pyment.

2. I prefer not to fll out forms or keep receipts. I wnt most of my care covered wthout a lot of paperwork.

1. In ddition to my premiums, I am wlling to pay for the cost of rutine and preventive care, such as ffice visits, checkups, and shots. I lso like knowing that I can get an ppointment for these services when I wnt one.

2. I want a halth plan that includes routine and prventive care. I don't mind if I hve to wait for these services to be schduled for an available appointment with my dctor.

1. If I need to see a spcialist, I probably will ask my dctor for a recommendation, but I wnt to decide whom to go to and whn. I don't want to have to see my prmary care doctor each time before I can see a spcialist.

2. I don't mind if my prmary care doctor must refer me to spcialists. If my doctor doesn't think I ned a special service that is fne with me.

If your answers are mstly 1: You want to make yur own health care choices, even if it csts you more and takes more pperwork. Fee-for-service may be the best pln for you.

If your answers are mstly 2: You are willing to gve up some choices to hold dwn your medical costs. You also wnt help in managing your care. Cnsider a health maintenance organization.

If yur answers are some 1's and sme 2's: You might want to lok for a plan such as a prferred provider organization that combines some of the fatures of fee-for-service and a health mintenance organization.

The differences among fee-for-service plns, HMOs, and PPOs are not as clar-cut as they once were. Fee-for-service plns have adopted some activities used by HMOs and PPOs to cntrol the use of medical services. And HMOs and PPOs are ffering more freedom to choose doctors, the way fe-for-service plans do. By studying your ffordable health insurance options carefully, you wll be able to pick the one tht provides you with the coverage you ned, no matter what it is clled.

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