6 tips for smooth (and surprise-free!) health insurance shopping
When you're choosing a health insurance plan, it's a good idea to have some basic information on hand and do a little thinking about your priorities and preferences. We’ve created a checklist to help you get prepared for health insurance shopping!
Check off each item and then you’ll be ready to shop! (And we’ll be ready to help – get started!)
1. Have Your Personal Info Ready
- Name(s)
- Phone number
- Email address
- Mailing address ##### 2. Make a List of Your Physicians, Hospitals, Prescription Medications & Pharmacy Preferences
- Physician name(s)
- Hospital name(s)
- Pharmacy
- Prescription medications
- Phone numbers
- Locations ##### 3. Estimate Your Health Expenses
- Ballpark upcoming doctor, hospital and ER visits
- Anticipate new health events (starting a family, major dental work, etc.)
- List your Rx dose, quantity and current co-pay ##### 4. Determine Your Top Priorities
- Lower co-pay/co-insurance
- Lower annual deductible
- Lower monthly premium
- Lower prescription drug costs
- Specialized drug coverage
- Keeping your doctor/specialist
- Coverage while traveling ##### 5. Factor In Your Budget
- How much do you have in savings (HRA and HSA)? You may be able to handle a higher deductible
- Do you visit your doctor a lot? Consider a higher premium but lower co-pays for office visits
- What did you spend on health care last year? You may need help with high recurring costs like Rx
6. Talk With A Mylo Expert
Mylo’s friendly licensed insurance agents look forward to answering your questions and guiding you to a plan that fits your needs — and budget.