Healthcare insurance is confusing.
Damn! Most insurance is confusing, it doesn't matter if it is Life, health, Automobile, Property and Casualty Insurance.
Deciding what you need and what you don't is unique to health insurance though.
Here are THREE tips to help you decide on the type (HMO or PPO) of insurance you should have.
1.
Make a list of all the good doctors.
Referrals are great here because family members and friends can recommend these professionals.
Ask your friends and family pointed questions, it is important to feel comfortable with healthcare providers.
Then call their office and ask what networks they are in.
This will give a decent list of the healthcare insurance companies that are in your area if you are new to buying health insurance.
2.
If you or a family have a condition that needs a specialist (like a heart disease or diabetes) get a list of highly recommended specialists that service that condition.
Call their office and see what network(s) they belong too.
3.
Now start to compare the cost by getting literature that explains the coverage.
Make sure you call and ask any questions that you may have about the coverage.
Literally no question is a dumb question when it comes to health insurance coverage.
You want to know what you are going to get for your money.
Ok, here is one "bonus" tip.
Watch out for products that seem like health insurance.
They are often just discount medical plans; these have their place too, but do not confuse them as insurance.