{"id":479,"date":"2024-12-05T23:15:29","date_gmt":"2024-12-05T23:15:29","guid":{"rendered":"https:\/\/uninsuredunaware.org\/?p=479"},"modified":"2024-12-05T23:55:54","modified_gmt":"2024-12-05T23:55:54","slug":"how-to-choose-the-best-plan-for-you","status":"publish","type":"post","link":"https:\/\/uninsuredunaware.org\/es\/how-to-choose-the-best-plan-for-you\/","title":{"rendered":"\u00a1C\u00f3mo elegir el plan m\u00e1s adecuado para usted!"},"content":{"rendered":"\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"has-text-align-left has-medium-font-size wp-block-paragraph\">\u201cThe first time I enrolled in health insurance, I was so intimidated and confused by all of the options. I wasn\u2019t sure what the words meant; I didn\u2019t know what I was looking for.\u201d <strong>If you\u2019re in this place and don\u2019t know if you\u2019re picking the best plan for you, let\u2019s change that right now.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n<\/blockquote>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_88 ez-toc-wrap-center ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/uninsuredunaware.org\/es\/how-to-choose-the-best-plan-for-you\/#Using_CHIP_to_Pick_a_Plan\" >Using CHIP&nbsp;to Pick a Plan<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/uninsuredunaware.org\/es\/how-to-choose-the-best-plan-for-you\/#Step_1_Cost\" >Step 1: Cost<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/uninsuredunaware.org\/es\/how-to-choose-the-best-plan-for-you\/#Step_2_Health_Interests\" >Step 2: Health Interests<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/uninsuredunaware.org\/es\/how-to-choose-the-best-plan-for-you\/#Summary_of_Benefits\" >Summary of Benefits<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/uninsuredunaware.org\/es\/how-to-choose-the-best-plan-for-you\/#Step_3_Providers\" >Step 3: Providers<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/uninsuredunaware.org\/es\/how-to-choose-the-best-plan-for-you\/#If_you_have_a_doctor_currently_youd_like_to_keep%E2%80%A6\" >If you have a doctor currently you\u2019d like to keep\u2026<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/uninsuredunaware.org\/es\/how-to-choose-the-best-plan-for-you\/#If_you_dont_have_a_preferred_doctor_yet%E2%80%A6\" >If you don\u2019t have a preferred doctor yet\u2026&nbsp;<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/uninsuredunaware.org\/es\/how-to-choose-the-best-plan-for-you\/#How_to_Find_the_Right_Doctor_for_You\" >How to Find the Right Doctor for You?<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading has-text-align-left\"><span class=\"ez-toc-section\" id=\"Using_CHIP_to_Pick_a_Plan\"><\/span>Using CHIP&nbsp;to Pick a Plan<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-f56f613f wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:75%\">\n<p class=\"has-text-align-left wp-block-paragraph\">There are 3 steps for you to go through in order to decide what you\u2019re looking for in a plan:&nbsp;<\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\" style=\"font-style:normal;font-weight:700\"><strong>C<\/strong>ost<\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\" style=\"font-style:normal;font-weight:700\"><strong>H<\/strong>ealth <strong>I<\/strong>nterests<\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\" style=\"font-style:normal;font-weight:700\"><strong>P<\/strong>roviders<\/p>\n\n\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"has-text-align-left wp-block-paragraph\">I&#8217;ll go through each step in detail below.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img fetchpriority=\"high\" decoding=\"async\" width=\"768\" height=\"1024\" src=\"https:\/\/uninsuredunaware.org\/wp-content\/uploads\/2024\/11\/CHIP-diagram-1-768x1024.png\" alt=\"CHIP Choosing Plan\" class=\"wp-image-494\" style=\"width:254px;height:auto\" srcset=\"https:\/\/uninsuredunaware.org\/wp-content\/uploads\/2024\/11\/CHIP-diagram-1-768x1024.png 768w, https:\/\/uninsuredunaware.org\/wp-content\/uploads\/2024\/11\/CHIP-diagram-1-225x300.png 225w, https:\/\/uninsuredunaware.org\/wp-content\/uploads\/2024\/11\/CHIP-diagram-1-1152x1536.png 1152w, https:\/\/uninsuredunaware.org\/wp-content\/uploads\/2024\/11\/CHIP-diagram-1-1536x2048.png 1536w, https:\/\/uninsuredunaware.org\/wp-content\/uploads\/2024\/11\/CHIP-diagram-1.png 1728w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/><\/figure>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Step_1_Cost\"><\/span>Step 1: <strong>Cost<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The reason this is the first step is that you cannot understand your plan without understanding some of the basic financial terminology. This will help you analyze what may seem affordable in face-value, but expensive in the long run.&nbsp;<\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\"><strong><span style=\"text-decoration: underline;\"><mark style=\"background-color:#fcb900\" class=\"has-inline-color\">Copay<\/mark><\/span><\/strong>: the fixed amount you pay for specified medical services, such as doctor visits, imaging, and prescriptions. You will be paying this every time you receive the service.<\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\"><strong><span style=\"text-decoration: underline;\"><mark style=\"background-color:#fcb900\" class=\"has-inline-color\">Deductible<\/mark><\/span>:<\/strong> the amount of money you have to pay<em> <\/em>for medical services <strong><span style=\"text-decoration: underline;\">before<\/span><\/strong> your insurance starts to cover costs. This means until you reach the deductible, your services will be full price. If your deductible happens to be less than the full price of the service, you will be asked to pay the full deductible and copay during your first service.<\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\"><strong><span style=\"text-decoration: underline;\"><mark style=\"background-color:#fcb900\" class=\"has-inline-color\">Premium<\/mark><\/span>: <\/strong>the amount of money you pay to your insurance company monthly, regardless if you use any medical services or not. It\u2019s like your membership fee.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><em><span style=\"text-decoration: underline;\">My Tip: <\/span>Typically you want a low deductible and a low copay. This allows your insurance coverage to start with a lesser pay and then you\u2019d be paying a low price with each service throughout the year as well. However, if you don\u2019t think you\u2019ll be needing many medical services in the upcoming year, you may prefer a higher deductible with a low premium (usually an offered plan) so that you\u2019re only worrying about the low monthly payment.<\/em><\/p>\n<\/blockquote>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\"><strong><mark style=\"background-color:#fcb900\" class=\"has-inline-color\"><span style=\"text-decoration: underline;\">Coinsurance<\/span><\/mark>:<\/strong> this is essentially the same as a copay, except it\u2019s a percentage rather than a fixed price. So, the more expensive the service, the more you\u2019d be paying.&nbsp;<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><em><span style=\"text-decoration: underline;\">My Tip: <\/span>Coinsurances can be unexpected in how much you pay. So, I try to avoid coinsurances for primary care providers, specialists, drugs, imaging, and bloodwork. Of course, it may not be possible for all of the categories, but I prefer the services I use most frequently to have a fixed copay and preventive expensive services (emergency room, urgent care, etc.) to be a coinsurance.<\/em><\/p>\n<\/blockquote>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\"><strong><span style=\"text-decoration: underline;\"><mark style=\"background-color:#fcb900\" class=\"has-inline-color\">Out-of-Pocket Maximum\/Limit<\/mark><\/span>: <\/strong>out-of-pocket is the total amount of money you have paid for medical services through your copay, deductible, and coinsurance. Every insurance company has a maximum\/limit of how much you are required to pay.<strong> <\/strong>Once you reach this indicated limit, your insurance pays <strong>100% <\/strong>of covered services for the rest of the year, including deductibles, coinsurance, and copayments. You still have to pay your monthly premium payments however.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You ideally want a <strong><span style=\"text-decoration: underline;\">low<\/span> <\/strong>out-of-pocket max to give yourself the opportunity to reach the limit.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><em><span style=\"text-decoration: underline;\">Future tip:<\/span> health facilities are not usually aware if you have reached your limit. If you are asked to pay a copay when you know you have reached your max, let the facility know and they will not charge you.&nbsp;<\/em><\/p>\n<\/blockquote>\n\n\n\n<p class=\"has-small-font-size wp-block-paragraph\">For any additional definitions you come across, check out the growing <a href=\"https:\/\/uninsuredunaware.org\/learn\/the-definitions\/\">list of defined terms here<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Step_2_Health_Interests\"><\/span>Step 2: <strong>Health Interests<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\">Although not the first step, this may be the most important: figure out what your health interests are. You do not want to be paying for an expensive plan that doesn\u2019t give you what you need, and you do not want the cheapest plan that makes it impossible for you to be covered for anything.&nbsp;<\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\">So in the upcoming year, what are your necessities medically? Here are some examples:<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<ul class=\"wp-block-list\">\n<li>Are you looking to get a routine check-up with blood tests and urgent care\/emergency room coverage just in case?<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Do you think you\u2019ll need imaging done or prescription drugs frequently?&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Is mental health or virtual appointments (aka Telehealth) important to you?<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Are you athletic and may need physical therapy, X-rays, and orthopedic appointments in case of an injury?&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Do you have existing medical needs that need regular check-ups from a few specialists? (<mark style=\"background-color:#fcb900\" class=\"has-inline-color\">specialists<\/mark> are doctors for specific conditions that aren\u2019t your chosen primary care doctor, such as endocrinologists, OBGYNs, orthopedic, internal medicine, etc.)<\/li>\n<\/ul>\n<\/blockquote>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\">Just like these examples, figure out what you\u2019re looking for medically based on your health and preference. These preferences will be what you look for in the <strong><span style=\"text-decoration: underline;\">benefits<\/span><\/strong> section of each plan you\u2019re offered.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Summary_of_Benefits\"><\/span>Summary of Benefits<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\">Each plan is going to have an included <mark style=\"background-color:#fcb900\" class=\"has-inline-color\"><strong>Summary of Benefits<\/strong> <strong>(SoB)<\/strong><\/mark>. It should be included as a hyperlink to a pdf and\/or a brief version may be seen with the plan description. Below is a short video of what it could look like:<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-f56f613f wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:25%\"><\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:90%\">\n<figure class=\"wp-block-video\"><video height=\"1522\" style=\"aspect-ratio: 2120 \/ 1522;\" width=\"2120\" controls muted src=\"https:\/\/uninsuredunaware.org\/wp-content\/uploads\/2024\/11\/Summary-of-benefits-video-1.mov\" playsinline><\/video><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:25%\"><\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Whether you decide to look at the pdf or the information on the website itself (if available), it is your preference. The pdf typically offers more details however and is more commonly available, so I will be using that as the example.<\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\">The Summary of Benefits is going to explain how much you pay and what restrictions exist for those medical necessities you decided earlier. To avoid a wordy confusing explanation, I\u2019ve labeled the important things to watch for in the SoB when choosing your plan in the images below. <\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\">Scroll through the pages using the red arrows to understand the layout of the pdf as well as the language. In-network and out-of-network is explained in the next section to better explain its purpose. I also included a quick navigation list of the specific services each page goes over in the example underneath the slider as well (may not be the exact same order for your SoB):<\/p>\n\n\n<div class=\"n2_clear\"><ss3-force-full-width data-overflow-x=\"body\" data-horizontal-selector=\"body\"><div class=\"n2-section-smartslider fitvidsignore  n2_clear\" data-ssid=\"3\" tabindex=\"0\" role=\"region\" aria-label=\"Slider\"><div id=\"n2-ss-3-align\" class=\"n2-ss-align\"><div class=\"n2-padding\"><div id=\"n2-ss-3\" data-creator=\"Smart Slider 3\" data-responsive=\"fullwidth\" class=\"n2-ss-slider n2-ow n2-has-hover n2notransition  \">\n\n\n\n<div class=\"n2-ss-slider-wrapper-inside\">\n        <div class=\"n2-ss-slider-1 n2_ss__touch_element n2-ow\">\n            <div class=\"n2-ss-slider-2 n2-ow\">\n                                                <div class=\"n2-ss-slider-3 n2-ow\">\n\n                    <div class=\"n2-ss-slide-backgrounds n2-ow-all\"><div class=\"n2-ss-slide-background\" data-public-id=\"1\" data-mode=\"fit\"><div class=\"n2-ss-slide-background-image\" data-blur=\"0\" data-opacity=\"100\" data-x=\"50\" data-y=\"50\" data-alt=\"\" data-title=\"\"><picture class=\"skip-lazy\" data-skip-lazy=\"1\"><img decoding=\"async\" src=\"\/\/uninsuredunaware.org\/wp-content\/uploads\/slider\/cache\/2ba40f9de470bdceab6e0a275beb8d38\/page-1-edited.png\" alt=\"\" title=\"\" loading=\"lazy\" class=\"skip-lazy\" data-skip-lazy=\"1\"><\/picture><\/div><div data-color=\"RGBA(255,255,255,0)\" style=\"background-color: RGBA(255,255,255,0);\" class=\"n2-ss-slide-background-color\"><\/div><\/div><div class=\"n2-ss-slide-background\" data-public-id=\"2\" data-mode=\"fit\" aria-hidden=\"true\"><div class=\"n2-ss-slide-background-image\" data-blur=\"0\" data-opacity=\"100\" data-x=\"50\" data-y=\"50\" data-alt=\"\" data-title=\"\"><picture class=\"skip-lazy\" data-skip-lazy=\"1\"><img decoding=\"async\" src=\"\/\/uninsuredunaware.org\/wp-content\/uploads\/slider\/cache\/2a3db38fd75e78d9112f62640c425b73\/page-2.png\" alt=\"\" title=\"\" loading=\"lazy\" class=\"skip-lazy\" data-skip-lazy=\"1\"><\/picture><\/div><div data-color=\"RGBA(255,255,255,0)\" style=\"background-color: RGBA(255,255,255,0);\" class=\"n2-ss-slide-background-color\"><\/div><\/div><div class=\"n2-ss-slide-background\" data-public-id=\"3\" data-mode=\"fit\" aria-hidden=\"true\"><div class=\"n2-ss-slide-background-image\" data-blur=\"0\" data-opacity=\"100\" data-x=\"50\" data-y=\"50\" data-alt=\"\" data-title=\"\"><picture class=\"skip-lazy\" data-skip-lazy=\"1\"><img decoding=\"async\" src=\"\/\/uninsuredunaware.org\/wp-content\/uploads\/slider\/cache\/ecd4c4cee6a372550a7fbb2565778628\/page-3.png\" alt=\"\" title=\"\" loading=\"lazy\" class=\"skip-lazy\" data-skip-lazy=\"1\"><\/picture><\/div><div data-color=\"RGBA(255,255,255,0)\" style=\"background-color: RGBA(255,255,255,0);\" class=\"n2-ss-slide-background-color\"><\/div><\/div><div class=\"n2-ss-slide-background\" data-public-id=\"4\" data-mode=\"fit\" aria-hidden=\"true\"><div class=\"n2-ss-slide-background-image\" data-blur=\"0\" data-opacity=\"100\" data-x=\"50\" data-y=\"50\" data-alt=\"\" data-title=\"\"><picture class=\"skip-lazy\" data-skip-lazy=\"1\"><img decoding=\"async\" src=\"\/\/uninsuredunaware.org\/wp-content\/uploads\/slider\/cache\/6af549e7b6c92567c91a22d588507c51\/page-4.png\" alt=\"\" title=\"\" loading=\"lazy\" class=\"skip-lazy\" data-skip-lazy=\"1\"><\/picture><\/div><div data-color=\"RGBA(255,255,255,0)\" style=\"background-color: RGBA(255,255,255,0);\" class=\"n2-ss-slide-background-color\"><\/div><\/div><div class=\"n2-ss-slide-background\" data-public-id=\"5\" data-mode=\"fit\" aria-hidden=\"true\"><div class=\"n2-ss-slide-background-image\" data-blur=\"0\" data-opacity=\"100\" data-x=\"50\" data-y=\"50\" data-alt=\"\" data-title=\"\"><picture class=\"skip-lazy\" data-skip-lazy=\"1\"><img decoding=\"async\" src=\"\/\/uninsuredunaware.org\/wp-content\/uploads\/slider\/cache\/85e29dbf1330c5cbc80f3c1b0389db20\/page-5.png\" alt=\"\" title=\"\" loading=\"lazy\" class=\"skip-lazy\" data-skip-lazy=\"1\"><\/picture><\/div><div data-color=\"RGBA(255,255,255,0)\" style=\"background-color: RGBA(255,255,255,0);\" class=\"n2-ss-slide-background-color\"><\/div><\/div><\/div>                    <div class=\"n2-ss-slider-4 n2-ow\">\n                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 1200 600\" data-related-device=\"desktopPortrait\" class=\"n2-ow n2-ss-preserve-size n2-ss-preserve-size--slider n2-ss-slide-limiter\"><\/svg><div data-first=\"1\" data-slide-duration=\"0\" data-id=\"7\" data-slide-public-id=\"1\" data-title=\"Page 1\" class=\"n2-ss-slide n2-ow  n2-ss-slide-7\"><div role=\"note\" class=\"n2-ss-slide--focus\" tabindex=\"-1\">Page 1<\/div><div class=\"n2-ss-layers-container n2-ss-slide-limiter n2-ow\"><div class=\"n2-ss-layer n2-ow n-uc-D5g5U7CDFh3j\" data-sstype=\"slide\" data-pm=\"default\"><div class=\"n2-ss-layer n2-ow n-uc-18e89118a361b\" data-pm=\"default\" data-sstype=\"content\" data-hasbackground=\"0\"><div class=\"n2-ss-section-main-content n2-ss-layer-with-background n2-ss-layer-content n2-ow n-uc-18e89118a361b-inner\"><div class=\"n2-ss-layer n2-ow n-uc-Nw11tHsAnRUJ\" data-pm=\"absolute\" data-responsiveposition=\"1\" data-desktopportraitleft=\"-123\" data-desktopportraittop=\"276\" data-responsivesize=\"1\" data-desktopportraitwidth=\"1200\" data-desktopportraitheight=\"auto\" data-desktopportraitalign=\"right\" data-desktopportraitvalign=\"middle\" data-parentid=\"\" data-desktopportraitparentalign=\"center\" data-desktopportraitparentvalign=\"middle\" data-sstype=\"layer\"><div id=\"n2-ss-3item1\" class=\"n2-font-d86609c4ed9ac1fc6c1ef31155d3a3e2-hover n2-style-f8293b450b12ef15d5c4ff97a617a3e3-heading   n2-ss-item-content n2-ss-text n2-ow\" style=\"display:block;\">Page 1<\/div><\/div><\/div><\/div><\/div><\/div><\/div><div data-slide-duration=\"0\" data-id=\"8\" data-slide-public-id=\"2\" aria-hidden=\"true\" data-title=\"Page 2\" class=\"n2-ss-slide n2-ow  n2-ss-slide-8\"><div role=\"note\" class=\"n2-ss-slide--focus\" tabindex=\"-1\">Page 2<\/div><div class=\"n2-ss-layers-container n2-ss-slide-limiter n2-ow\"><div class=\"n2-ss-layer n2-ow n-uc-JZHBbWA24xlN\" data-sstype=\"slide\" data-pm=\"default\"><div class=\"n2-ss-layer n2-ow n-uc-15484d0efcaf3\" data-pm=\"default\" data-sstype=\"content\" data-hasbackground=\"0\"><div class=\"n2-ss-section-main-content n2-ss-layer-with-background n2-ss-layer-content n2-ow n-uc-15484d0efcaf3-inner\"><div class=\"n2-ss-layer n2-ow n-uc-Jy3fO9DBFAdA\" data-pm=\"absolute\" data-responsiveposition=\"1\" data-desktopportraitleft=\"-129\" data-desktopportraittop=\"276\" data-responsivesize=\"1\" data-desktopportraitwidth=\"1200\" data-desktopportraitheight=\"auto\" data-desktopportraitalign=\"center\" data-desktopportraitvalign=\"middle\" data-parentid=\"\" data-desktopportraitparentalign=\"center\" data-desktopportraitparentvalign=\"middle\" data-sstype=\"layer\"><div id=\"n2-ss-3item2\" class=\"n2-font-d86609c4ed9ac1fc6c1ef31155d3a3e2-hover n2-style-f8293b450b12ef15d5c4ff97a617a3e3-heading   n2-ss-item-content n2-ss-text n2-ow\" style=\"display:block;\">Page 2<\/div><\/div><\/div><\/div><\/div><\/div><\/div><div data-slide-duration=\"0\" data-id=\"9\" data-slide-public-id=\"3\" aria-hidden=\"true\" data-title=\"Page 3\" class=\"n2-ss-slide n2-ow  n2-ss-slide-9\"><div role=\"note\" class=\"n2-ss-slide--focus\" tabindex=\"-1\">Page 3<\/div><div class=\"n2-ss-layers-container n2-ss-slide-limiter n2-ow\"><div class=\"n2-ss-layer n2-ow n-uc-1MGHHtj5gRbr\" data-sstype=\"slide\" data-pm=\"default\"><div class=\"n2-ss-layer n2-ow n-uc-17554a87b904b\" data-pm=\"default\" data-sstype=\"content\" data-hasbackground=\"0\"><div class=\"n2-ss-section-main-content n2-ss-layer-with-background n2-ss-layer-content n2-ow n-uc-17554a87b904b-inner\"><div class=\"n2-ss-layer n2-ow n-uc-nsVh74gsdOdW\" data-pm=\"absolute\" data-responsiveposition=\"1\" data-desktopportraitleft=\"-131\" data-desktopportraittop=\"276\" data-responsivesize=\"1\" data-desktopportraitwidth=\"1200\" data-desktopportraitheight=\"auto\" data-desktopportraitalign=\"center\" data-desktopportraitvalign=\"middle\" data-parentid=\"\" data-desktopportraitparentalign=\"center\" data-desktopportraitparentvalign=\"middle\" data-sstype=\"layer\"><div id=\"n2-ss-3item3\" class=\"n2-font-d86609c4ed9ac1fc6c1ef31155d3a3e2-hover n2-style-f8293b450b12ef15d5c4ff97a617a3e3-heading   n2-ss-item-content n2-ss-text n2-ow\" style=\"display:block;\">Page 3<\/div><\/div><\/div><\/div><\/div><\/div><\/div><div data-slide-duration=\"0\" data-id=\"10\" data-slide-public-id=\"4\" aria-hidden=\"true\" data-title=\"Page 4\" class=\"n2-ss-slide n2-ow  n2-ss-slide-10\"><div role=\"note\" class=\"n2-ss-slide--focus\" tabindex=\"-1\">Page 4<\/div><div class=\"n2-ss-layers-container n2-ss-slide-limiter n2-ow\"><div class=\"n2-ss-layer n2-ow n-uc-CIt6eI1cC2gE\" data-sstype=\"slide\" data-pm=\"default\"><div class=\"n2-ss-layer n2-ow n-uc-1021a850b9721\" data-pm=\"default\" data-sstype=\"content\" data-hasbackground=\"0\"><div class=\"n2-ss-section-main-content n2-ss-layer-with-background n2-ss-layer-content n2-ow n-uc-1021a850b9721-inner\"><div class=\"n2-ss-layer n2-ow n-uc-2130FHNzAXIS\" data-pm=\"absolute\" data-responsiveposition=\"1\" data-desktopportraitleft=\"-10\" data-desktopportraittop=\"209\" data-responsivesize=\"1\" data-desktopportraitwidth=\"1200\" data-desktopportraitheight=\"auto\" data-desktopportraitalign=\"center\" data-desktopportraitvalign=\"middle\" data-parentid=\"\" data-desktopportraitparentalign=\"center\" data-desktopportraitparentvalign=\"middle\" data-sstype=\"layer\"><div id=\"n2-ss-3item4\" class=\"n2-font-d86609c4ed9ac1fc6c1ef31155d3a3e2-hover n2-style-f8293b450b12ef15d5c4ff97a617a3e3-heading   n2-ss-item-content n2-ss-text n2-ow\" style=\"display:block;\">Page 4<\/div><\/div><\/div><\/div><\/div><\/div><\/div><div data-slide-duration=\"0\" data-id=\"11\" data-slide-public-id=\"5\" aria-hidden=\"true\" data-title=\"Page 5\" class=\"n2-ss-slide n2-ow  n2-ss-slide-11\"><div role=\"note\" class=\"n2-ss-slide--focus\" tabindex=\"-1\">Page 5<\/div><div class=\"n2-ss-layers-container n2-ss-slide-limiter n2-ow\"><div class=\"n2-ss-layer n2-ow n-uc-Wf2whuIwVDYH\" data-sstype=\"slide\" data-pm=\"default\"><div class=\"n2-ss-layer n2-ow n-uc-150813192dc53\" data-pm=\"default\" data-sstype=\"content\" data-hasbackground=\"0\"><div class=\"n2-ss-section-main-content n2-ss-layer-with-background n2-ss-layer-content n2-ow n-uc-150813192dc53-inner\"><div class=\"n2-ss-layer n2-ow n-uc-MCOsAYyAwmm7\" data-pm=\"absolute\" data-responsiveposition=\"1\" data-desktopportraitleft=\"-134\" data-desktopportraittop=\"276\" data-responsivesize=\"1\" data-desktopportraitwidth=\"1200\" data-desktopportraitheight=\"auto\" data-desktopportraitalign=\"center\" data-desktopportraitvalign=\"middle\" data-parentid=\"\" data-desktopportraitparentalign=\"center\" data-desktopportraitparentvalign=\"middle\" data-sstype=\"layer\"><div id=\"n2-ss-3item5\" class=\"n2-font-d86609c4ed9ac1fc6c1ef31155d3a3e2-hover n2-style-f8293b450b12ef15d5c4ff97a617a3e3-heading   n2-ss-item-content n2-ss-text n2-ow\" style=\"display:block;\">Page 5<\/div><\/div><\/div><\/div><\/div><\/div><\/div>                    <\/div>\n\n                                    <\/div>\n            <\/div>\n        <\/div>\n        <div class=\"n2-ss-slider-controls n2-ss-slider-controls-absolute-right-bottom\"><div class=\"n2-ss-widget n2-style-52a27b9422f615fb2c24656151df03c2-heading nextend-arrow n2-ow-all nextend-arrow-next  nextend-arrow-animated-fade\" id=\"n2-ss-3-arrow-next\" role=\"button\" aria-label=\"next arrow\" tabindex=\"0\"><img decoding=\"async\" width=\"32\" height=\"32\" class=\"skip-lazy\" data-skip-lazy=\"1\" src=\"data:image\/svg+xml;base64,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\" alt=\"next arrow\"><\/div><div class=\"n2-ss-widget n2-style-52a27b9422f615fb2c24656151df03c2-heading nextend-arrow n2-ow-all nextend-arrow-previous  nextend-arrow-animated-fade\" id=\"n2-ss-3-arrow-previous\" role=\"button\" aria-label=\"previous arrow\" tabindex=\"0\"><img decoding=\"async\" width=\"32\" height=\"32\" class=\"skip-lazy\" data-skip-lazy=\"1\" src=\"data:image\/svg+xml;base64,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\" alt=\"previous arrow\"><\/div><\/div><\/div><\/div><ss3-loader><\/ss3-loader><\/div><\/div><div class=\"n2_clear\"><\/div><\/div><\/ss3-force-full-width><\/div>\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\"><strong>Page Navigation<\/strong><\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<ul class=\"wp-block-list\">\n<li class=\"has-small-font-size\"><span style=\"text-decoration: underline;\"><strong>Page 1<\/strong>:<\/span> Deductible, services covered before deductible, bloodwork facility covered by insurance (sometimes indicated, shown in example), out-of-pocket limit, if referral is needed.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"has-small-font-size\"><strong><span style=\"text-decoration: underline;\">Page 2:<\/span><\/strong> PCP vs. specialist payment, blood work payment, imaging payment, generic drug vs. brand drug payment.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"has-small-font-size\"><strong><span style=\"text-decoration: underline;\">Page 3<\/span>: <\/strong>Outpatient (includes definition), emergency room bill payment, urgent care payment.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"has-small-font-size\"><strong><span style=\"text-decoration: underline;\">Page 4:<\/span><\/strong> Inpatient (includes definition), pregnancy payment, rehabilitation payment.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"has-small-font-size\"><strong><span style=\"text-decoration: underline;\">Page 5:<\/span> <\/strong>Child vision and dental (not covered for adults), excluded services\/other services covered but not listed.<\/li>\n<\/ul>\n<\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Step_3_Providers\"><\/span>Step 3: <strong>Providers<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\">You\u2019re almost there! The last step is to make sure the doctor you want to see is accepted by your chosen insurance plan.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"If_you_have_a_doctor_currently_youd_like_to_keep%E2%80%A6\"><\/span>If you have a doctor currently you\u2019d like to keep\u2026<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\">If you have any doctors or practices that you currently see, you\u2019re going to want to make sure that your insurance is accepted. To do this, call the practice of your provider, and ask if they accept [insert insurance plan]. Make sure to say the exact plan including the tier (ie. gold, silver, bronze, 1, 2, 3) because sometimes it can make a difference.&nbsp;<\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\">If they accept your insurance, they are considered to be<strong> <mark style=\"background-color:#fcb900\" class=\"has-inline-color\">in-network<\/mark><\/strong> with your insurance. This just means that your insurance will be able to provide coverage, and you will only be responsible for your copay\/coinsurance\/deductible.<\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\">If they do not take your insurance, this means they are <strong><mark style=\"background-color:#fcb900\" class=\"has-inline-color\">out-of-network<\/mark><\/strong>. Typically, low cost insurance plans will not offer coverage for out-of-network providers, which means you would be paying in full for the service. Some high deductible and\/or high premium plans can offer out-of-network coverage.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Whether or not your insurance is accepted is decided by the practice\u2019s discretion and policies. Providers outside of the state that you have coverage in will be considered <strong>out-of-network<\/strong> and you will have to pay the facility\u2019s given price for the service. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you think you will need out-of-state coverage often, you may want to consider a more expensive plan that offers out-of-network benefits. But keep in mind what was mentioned before about a high deductible plan, and aim for as low of an out-of-pocket plan as you can.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"If_you_dont_have_a_preferred_doctor_yet%E2%80%A6\"><\/span>If you don\u2019t have a preferred doctor yet\u2026&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\">If you don\u2019t have any doctors yet, I would recommend finding a doctor or two you would like to see to make sure your insurance is accepted. Remember step 2 was to understand your health interests.&nbsp;<\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\">If you\u2019re just looking for routine check-ups and bloodwork, find a couple of providers that you\u2019d be interested in having as your <strong><mark style=\"background-color:#fcb900\" class=\"has-inline-color\">primary care doctor (PCP)<\/mark><\/strong>. This is a physician you assign to your insurance as your go-to provider (as long as they state they\u2019re eligible to be a PCP). They may have lower assigned copays and would be the person you go to first for any issues or if you need a referral to see a specialist.<\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\">If you know you may need a specialist (ie. OBGYN, urologist, orthopedic, endocrinologist), find a couple doctors or a practice you\u2019d consider going to. Same thing with a physical therapy or imaging facility.&nbsp;<\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\">Call these providers and\/or facilities to check if they take the insurance plan you\u2019re looking into purchasing and if they accept new patients.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This ensures that when you do go to see your PCP or a specialist in the future, you already know who you\u2019d like to go to and that you\u2019ve been told they accept your insurance. It\u2019s not fun when you find a doctor you\u2019d like to be seen by but realize mid-year they don\u2019t take your insurance, and you have to change your doctor instead.&nbsp;<\/p>\n\n\n\n<div style=\"height:38px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"has-text-align-center has-medium-font-size wp-block-paragraph\">And that&#8217;s it! You are now prepared to choose the best health insurance plan for you. If you&#8217;d like to know how to search for the right doctor for you, a link is included below.<\/p>\n\n\n\n<p class=\"has-text-align-center has-medium-font-size wp-block-paragraph\">Now you have a better idea of what to look for while having more confidence in making your decision this enrollment period!<\/p>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n\n\n<div style=\"height:38px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading has-background\" style=\"background-color:#d5edff87\"><span class=\"ez-toc-section\" id=\"How_to_Find_the_Right_Doctor_for_You\"><\/span>How to Find the Right Doctor for You?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"has-background has-medium-font-size wp-block-paragraph\" style=\"background-color:#d5edff87\">Are you relying on just one website like ZocDoc or Healthgrades, or choosing a doctor at random? You should learn <strong><em><a href=\"https:\/\/uninsuredunaware.org\/how-to-find-the-right-doctor-for-you\/\" target=\"_blank\" rel=\"noreferrer noopener\">how to find the right doctor for you here<\/a><\/em><\/strong>!<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>There may be many health insurance plans available to you. But how do you know which plan is the best for you? Learn how here!<\/p>","protected":false},"author":1,"featured_media":536,"comment_status":"open","ping_status":"open","sticky":true,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[],"class_list":["post-479","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-the-information"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>How to Choose the Best Plan for You! ~ Uninsured &amp; Unaware<\/title>\n<meta name=\"description\" content=\"There may be many health insurance plans available to you. But how do you know which plan is the best for you? Learn how here!\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/uninsuredunaware.org\/es\/how-to-choose-the-best-plan-for-you\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to Choose the Best Plan for You! ~ Uninsured &amp; Unaware\" \/>\n<meta property=\"og:description\" content=\"There may be many health insurance plans available to you. But how do you know which plan is the best for you? 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