The importance of health insurance cannot be overstated. Sure, it will cost you some money every month, but it can save you a lot in the case of emergencies as well. While there are many reasons for this, the health care in America is more expensive than anywhere else on the planet.


As a result, having health care is one of the only good ways to get relatively affordable care in the country. However, it’s not as simple as just going out and getting health insurance and coverage. There are many different plans and providers to consider, so finding the best health insurance isn’t always easy.

Thankfully, we’re here to help. Without any further ado, let’s take a look at some tips and tricks to help you easily pick the right health insurance for you. 

Choose a Coverage Focused on Your Needs

Before anything else, you need to think about your needs. Of course, you want your health insurance to cover the things you need or use the most. If not, you may end up with benefits or coverage that you never use, and thus shouldn’t spend your money on. We have all dealt with going through insurance preauthorization to see if a healthcare service or product is covered, which can be a nerve wracking process.

One of the best ways to identify your needs is to look at your past visits to the doctor, dentist, or optometrist. By looking at your history, you will be able to identify what services you use most, and what should most certainly be included in the plan you ultimately go with.

Shop Around and Ask Questions

Once your needs have been identified, and you have narrowed down what you need included in your coverage, it is time to shop around. You need to look at which provider and which plans match up well with your unique needs. This shopping around can often be difficult, unfortunately. There is a lot to know, and a lot of potentially confusing information that you may run into. 

This can make it hard to ultimately choose the right plan for you. If you experience difficulty, don’t be afraid to ask questions. Asking questions directly to the providers, or a trusted expert in your area, is a good idea and can certainly help clear things up for you.

Compare “All” Aspects of a Plan

When comparing plans to one another, it is very important to compare all of the aspects of a plan to one another. Your direct costs like monthly premiums and deductibles are likely the first thing that you will consider. However, while important, your premiums and deductible aren’t the only things to consider.

You need to consider the reputation of the insurance provider, what type of plan you want, the maternity rules, what happens if you get injured or sick overseas, and a variety of other things. If you only look at the basics, you may not end up getting the plan that you thought you were. Be sure to read the entire plan and what is included or excluded before agreeing to anything.

Pick Coverage that Lets You Keep Your Doctor

hospital emergency room

Most of us have a doctor that we are comfortable with and have been working with for years. The idea of going elsewhere might make us uncomfortable and might feel like starting over from square one. As a result, you need to pick coverage that lets you keep your doctor. See, every health insurance plan has a network of doctors and only those in the network will provide discounted services.

So if your doctor is not “in-network” with your plan, you will need to find a doctor that is, or risk paying the full amount for all of your health care services. If you don’t have a preferred doctor, it is a good idea to do some research on which doctors work with which networks in your area. This will help you know who to go to for less-expensive health care services once you are on your new health insurance plan.

Don’t Forget About Prescription Drugs

If you are like many people in this country, you may rely on prescription drugs for one thing or another. They could be to help you with a disease, or even to deal with a serious illness. Unfortunately, paying for these out of pocket can be very pricey depending on what types of medication you require.

As a result, be sure to factor in the kinds of prescription drugs you need or may need into your health insurance decision. If your coverage doesn’t include prescriptions, you will still be paying for them without any assistance from your provider.

In conclusion, these 5 tips and tricks should be able to help you find the right health insurance for your needs.