When people in Connecticut compare their low-cost health plans, they need to keep a few things in mind. It's best to choose a plan that fits with how you live. Here are some things to keep in mind:
Alternative care: If you don't see a doctor very often and would rather see an acupuncturist or chiropractor, make sure you choose a plan that lets you do what you want. Many plans will only cover a few visits to people who offer alternative care. Let's face it, your doctor knows which insurance companies are most open to alternative care. Make sure to ask your practitioner for advice on which companies to choose from.
Keeping the same doctors: Do you have special medical needs that are taken care of by a doctor you know and trust? It takes years for a doctor and patient to trust each other. If you want to keep a good relationship with your doctor, you should find out what insurance plans he or she accepts. When looking for cheap health insurance, you should look at these companies.
Out-of-pocket costs: Can you handle high co-pays and high deductibles? Most of the time, if your co-pay is low, your premium will be high and vice versa. Find out how much you can pay out of your own pocket.
Pre-existing conditions: If you are being treated for a certain illness or condition, you might have to stay with your current insurance company. Many insurance companies won't cover conditions that have already been diagnosed.
Children: If you don't have children and don't plan to have any, you don't need to worry about coverages like child care and prenatal care. But if you have kids or want to have kids, you should ask your paediatrician which insurance companies he or she accepts.
Look around: Getting different quotes and comparing them is the best way to get the best price on health insurance.