What You Need to Know About Health Insurance
Choosing a health plan is less about picking a colour and more about finding a fit. Here’s a quick guide to help you make an informed decision.
- 1. Types of Plans – HMO, PPO, EPO, and POS. Know the trade‑offs: network size, out‑of‑pocket costs, and whether you need referrals.
- 2. Choosing a Plan – Balance premiums, deductibles, copays, and out‑of‑pocket maximums against your health habits.
- 3. Top 5 Providers (2025) – Blue Cross Blue Shield, Kaiser Permanente, UnitedHealthcare, Aetna, and Cigna. Compare rates, coverage, and patient satisfaction.
- 4. Save Money with Smart Choices – Use preventive care, stay on generic drugs, and leverage in‑network specialists.
- 5. Health Savings Accounts (HSAs) – Tax‑advantaged savings that grow with compound interest. Ideal for high‑deductible plans.
- 6. Telemedicine – Many plans now cover virtual visits. Check for limits and any required copays.
- 7. Filing a Claim – Keep receipts, submit online through your provider portal, and monitor status to avoid surprises.
Looking for deeper dives? Health Insurance FAQ or Resource Library.
Fun Fact
Did you know the first health insurance plan dates back to ancient Mesopotamia? History is surprisingly quirky –