Should I just look for the lowest premium?
It depends on your needs. Generally, the lower the premium, the more you will have to pay when you need health care. So, if you are a very healthy person (family) and do not anticipate needing a doctor very often, then maybe. You should still look at the co-pays, coinsurance, and deductibles, and ensure that you can handle these expenses if the need arises.
On the other hand, if you have pre-existing conditions, and anticipate needing health care more frequently, then you should consider a higher premium with lower out of pocket expenses for health care services.
As I stated, these are just a few of the items that you will have to compare and compare across multiple health plans in order to truly assess the options available to you.
A Bit Confusing?
At Florida Health Agency we’re here to help take away that confusion…we will take you step by step and work through which plan best suits your needs.
Call (954) 866-7579 to set up an appointment or for more information.
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Get Your Free Copy of the “Ultimate Guide to Medicare” video and eBook from Florida Medicare Agency!
This book helps you learn about the different parts of the Medicare program, including Medicare Part A and Part B (together, they are often called “Original Medicare”), Part C (often called “Medicare Advantage”) and Part D (the part of Medicare that covers your prescription medications).
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