It’s that time of year again: open enrollment. Although many people elect to keep the same medical coverage they have every year, it makes sense to do a comparative analysis of all types of health insurance coverage to determine the best plan for you and your family. While you are looking over each option, the following are a few things you should consider before choosing your plan.

How Often You Have Medical Emergencies

When it comes to getting emergency medical care, there are usually three types of people:

1. People who visit the emergency room for every medical problem they have.

2. People who only go to the emergency room when they have tried every home remedy possible.

3. People who never go to the emergency room, no matter what.

Of course, there isn’t anything wrong with belonging to one group or another, but it will likely affect how much you are spending on medical costs. Depending on the health insurance you choose, you could be paying more money out of your own pocket. But, you don’t have to pay more for your health insurance. Take a look at your policy and apply the same cost scenario to each option, and choose the health insurance that helps you keep more of your money in your wallet.

Whether You Get to Keep Your Doctors

In health care, establishing productive relationships with your doctor can affect your outcomes. If you’ve nurtured a healthy relationship with your doctor, then you want to keep your doctor. You should choose a plan that doesn’t require you to visit a specific doctor since it may prevent you from visiting your existing doctor.

Think About the Location of Each Office

Driving back and forth to the doctor can become expensive if you have to drive long distances to see a doctor or a specialist. If you are receiving life-sustaining treatment from a doctor, it’s imperative that the doctor’s office is within a reasonable traveling distance. Before you purchase your next health insurance plan, take a look at where each doctor is located to ensure you are choosing doctors close by you.

Determine Whether You Benefit from a Pre-tax Deduction

Getting health insurance helps many people get the medical care they need for their family. Another great benefit to getting health insurance is the fact that you can decrease your tax liability by purchasing health insurance. If you could use a reduction in your tax obligations each week from your check, then take a thorough assessment of the many ways to purchase your health insurance.

We’ll help you find the right coverage. Call InsurePro LLC at 800-697-8109 for more information on health insurance.

Which factors helped you determine the right health insurance policy? Let us know in the comments section below.