A third of employees say they either don’t understand or know nothing about their health care coverage.
Picking a health plan used to be easy. Not anymore. Today, whether you receive coverage through your employer, buy insurance on your own or are covered by Medicare, you likely face a slew of choices.
• Don’t assume the plan you have now will be best for you in the future. Plans change. Circumstances change.• If your employer offers meetings about your benefits, try to attend, ask questions and bring your spouse if possible. 2. The lower the premium, typically the less flexibility you’ll have in picking medical providers. That means smaller networks of doctors and possibly no coverage if you go out of network. Think HMOs or similar arrangements. Such plans work well for many people. Medicare Part C—also called Medicare Advantage—includes these types of plans.
5. If a plan doesn’t cover out-of-network doctors, make sure you’re comfortable with that restriction—and that your spouse is, too. If a plan covers out-of-network providers, find out what the lower reimbursement rate would be. Be warned: If you use an out-of-network provider, that expense will typically not count toward your out-of-pocket maximum.
8. Make use of all the tax-advantaged accounts on offer. These might include not only an HSA, but also a health reimbursement account and a flexible spending account . Note that all of these plans must be used for qualified medical expenses as defined by the tax code.
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