What Should I Ask When Seeking a Plan?

couple looking at ipad discussing health insuranceThe Affordable Care Act gives everyone more choices when shopping for a health plan. It allows you to compare and shop for health coverage that meets your needs and fits your budget, whether you purchase directly through Blue Cross and Blue Shield of Texas, the Marketplace or a licensed insurance agent.

Open Enrollment for 2019 health plans begins on Nov. 1 and runs through Dec. 15. You will need to decide if you are going to apply for a new Marketplace plan, keep your current plan or pick a new one. Just like making a major household purchase, like a car or a TV, there a few things you should do to prepare for buying a health plan.  Here are some questions you need to ask yourself as you seek a plan:

What provider network does the plan use?

  • Is your doctor in the plan’s network?
  • Have you checked to see if your doctor, specialists, hospitals or urgent care centers are in the plan’s network that you selected? You can use the BCBSTX Provider Finder  to check.

How often do you visit the doctor?

  • Do you only get sick a few times per year?
  • Do you have a health condition that means frequent visits to the doctor or hospital?
  • Are you thinking about having a child?

Do you take prescription drugs?

How much can you spend?

  • An important question for many shoppers is “how much is health insurance?” Every plan is different, so before shopping, set a budget. How much will you be able to spend every month? Think about the monthly premium, but also keep in mind the deductible, copayments and other out-of-pocket costs to figure out what you could end up paying within a year, should you end up with unexpected medical bills. You can also use our subsidy calculator to see if you are eligible for financial assistance.

Do you need dental coverage?

  • Some plans include dental coverage or you can buy a separate dental plan

Now that you know the questions to ask yourself, do you have any questions for us? If you're ready, start shopping now or, if you have questions call us at 1-888-731-0383 or log in and ask below!

Last update: 10/22/2018

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