How to Pick a Health Insurance Plan (or make the most of the one you have)

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You may or may not have a choice regarding your health insurance plan, but that doesn’t mean you shouldn’t be well-informed about the choices you do have when it comes to one of the most important resources available to you and your family. Here are a few points you should know as you embark on choosing (or making the most of) your health insurance plan for 2017.

Making the Most of Your Employer-Sponsored Health Coverage                    

If you are employed, chances are your employer offers one or more health insurance plans to choose from. If you have a choice, you can use the guiding principles outlined in the next section to help determine the best option for you. If your employer offers one health insurance plan, there are many ways you can make the most of it:

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  • Get help managing a chronic condition – Did you know that if you’re living with a chronic illness, such as cancer or COPD, there are likely helpful resources available through your health insurance plan that go beyond the doctor’s office? Coping with and managing a chronic disease can be challenging, both for you and your loved ones, but it doesn’t have to be. Talking with a supportive medical professional can ease your mind, and you’ll get tips for living your best life possible. At CDPHP, we offer support through our Health Coach Connection℠ program.

Shopping for an Individual Health Plan

If you are shopping for health care coverage for yourself, a spouse, and/or dependents, there are several things to consider beyond premiums and out-of-pocket costs, though both are extremely important. Here are some other factors you should bear in mind:

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  • Access to primary care providers (PCPs) – When you are sick, you want to see your doctor that day, not in the next few weeks, and you want these services to be affordable. If you select a CDPHP health plan, you may want to consider choosing a PCP that participates in our Enhanced Primacy Care (EPC) program, which can offer you more time with your doctor, better access, and the ability to communicate electronically.
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  • Company reputation – Have you spoken with friends or family members about their health care coverage? Are they happy with it? Before starting the shopping process, take a minute to talk with some trusted individuals about their experiences. Also, take into account social responsibility. Does the company invest in its community? Are earned dollars used to help those in need? CDPHP is proud to support the communities we serve.

Once you’ve considered the aforementioned items, your first stop in New York state is the New York State of Health™ Marketplace. You can visit the Marketplace online, or, feel free to call 1-855-355-5777 to speak to a knowledgeable representative about your individual situation. They are more than happy to help you navigate your options.

Once back online, after entering in some information about yourself, including your ZIP code and what type of coverage you need, a list of options and details about each plan will be returned to you. If you need help paying for your health care coverage, there may be assistance available in the form of subsidies. Use the eligibility calculator to learn more. One of the items that you may need some additional information about is plan metal levels, which break down how much your insurance will cover vs. how much you will be expected to pay out-of-pocket.

Important Note for Dependents Turning 26

If a dependent is nearing age 26, it’s time for them to think about the next step when it comes to health care coverage. This is because 26 is traditionally when dependents “age-out” of a parent or guardian’s health insurance plan. If you know someone who is about to start the process of purchasing or enrolling in their own health insurance plan for the first time, the tips included in this post may be a great place to start.

At CDPHP, we know health insurance can be confusing, it can be costly, and yet, it is extremely important. With the aforementioned recommendations, we hope that you will take comfort in knowing that you’ve made the right decision when it comes to health care coverage for you and your loved ones. And, if you choose CDPHP, you can rest assured that your health is in the right hands.

2 Responses to “How to Pick a Health Insurance Plan (or make the most of the one you have)”

  1. Kathleen R. Pepe

    Could I please speak to someone about a health plan for myself and spouse. We are currently cdphp members but are not being offered cdphp for 2017, thru my employer. Can you please help us!

    Reply

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