Choosing the right health insurance plan for yourself and your family is one of the most important things you can do to protect your health and your financial wellbeing. When you’re shopping for your plan, you’ll want to know what to look for so you can get the most for your money and find a plan that addresses your unique health needs and lifestyle.
Here are a few things to think about as you consider your options:
What are my monthly premiums?
You will be required to pay on a monthly basis to maintain your coverage. This fee is called your premium. Make sure this amount fits into your budget. You’ll also want to know what you may be required to pay toward the monthly premiums of covering a spouse and/or dependents.
What are my deductible, copayments, coinsurance and out-of-pocket maximum under this plan?
These forms of cost-sharing only come into play when you receive medical care. Make sure they’re affordable for you, both for regular medical care as well as care for more serious or unexpected medical conditions.
Is my doctor in the health plan’s network?
If you have a preferred doctor or hospital, make sure they’re in-network for any plan you’re considering. Otherwise your claims may be denied or paid at a lower level. Most health plans have tools to see which plans your doctor accepts.
Are my prescriptions covered under the plan?
Some plans cover different prescription drugs than others, or pay more toward them. Sanford Health Plan has a prescription drug coverage comparison tool that can show you what you’re estimated to pay based on your personal Rx needs.
What perks and discounts are available?
At Sanford Health Plan, we focus on going beyond health insurance coverage. Therefore, our members get access to discounts on vision, dental, hearing, weight loss services. In addition, we offer no cost virtual care on certain plans and monthly gym reimbursements at participating providers. These perks can all add up to added savings.
If you are looking for individual or group health insurance, contact us at (888) 535-4831 to get in touch with an agent who can help you through the process, or request a quote at https://www.sanfordhealthplan.org/get-a-quote.
Current Sanford Health Plan members can access their SBC and other plan information in their secure member portals at sanfordhealthplan.com/memberlogin or by contacting customer service at the number listed on the back of your insurance member ID card.