Before you choose your insurance plan
Health insurance may seem confusing, but it's important that you pick the one that is right for you and your family.
There is nothing more important than your health. A loss of health can mean a loss in your earnings if you are not able to work, and it can mean expensive medical bills.
Health insurance can mitigate some of those costs and help you lead a more healthy life.
This guide will help point you in the right direction in selecting the plan that's right for you.
Each health insurance plan has its own rules about where you can receive services, which providers you can see, and what portion of the services it will pay for.
There are a couple of important things that you should be sure of:
Carson Medical Group Is In-Network
Prior to signing up for coverage, check with the plan to ensure that:
Carson Medical Group is an In-Network/ Preferred Provider.
By being in-network, you will only pay the allowed amount for covered health care services. In-network insurance usually costs you less than out-of network.
The insurance plan is the ONLY source that can definitively tell you if Carson Medical Group is in their network
The Plan Is ACA Compliant
By choosing a plan that is Affordable Care Act (ACA) compliant, you will maximize your coverage and avoid penalties.
You Understand Your Coverage
Make sure you understand your coverage.
Once you have picked an in-network plan, make sure you understand your coverage:
A fixed cost you pay for your share of a covered healthcare service.
For example, if you have a co-pay of $30 for an office visit then, $30 is what you will pay for the office visit regardless of amount charged.
A variable cost that is your share of the costs of a covered healthcare service.
For example, if you have a 20% co-insurance of an allowed amount of $100, your cost will be $20.
A fixed amount that you must pay out of your pocket before your health insurance begins to pay.
For example, if your deductible is $1,000 your plan won’t pay anything until your $1000 deductible is met for services that are applied to your deductible. NOTE: The deductible may not apply to all services (e.g. preventative care)
The amount that must be paid for your health insurance to remain active. Depending on the plan, these can be paid monthly, quarterly, or annually.
The facilities, providers, and suppliers your health insurer or plan has contracted with to provide healthcare services.