When deciding which type of health insurance is best for you, it’s okay to take your time. Comparing health insurance plans can help you understand what kind of coverage you need. However, knowing what kind of coverage is best for you can be tricky. Let us help you figure out how to choose health insurance plans. It’s important to note that Aflac doesn’t offer primary health insurance but a range of supplemental insurance plans that work with your existing plan to help with gaps in coverage. We provide supplemental critical illness, cancer, dental, vision, hospital, short-term disability and accident insurance—so you can choose which category you’d like more support in.
Don’t wait until it’s too late. Help cover yourself and your family with affordable coverage from Aflac.
There are a few distinct categories you can focus on when you need to compare health insurance. The type of insurance plan, medical coverage, networks, and costs can all impact your final decision.
First, it’s crucial to understand that when we say “health insurance” we mean major medical plans. These may be considered more traditional or primary insurance plans. While supplemental insurance works with health insurance, it’s not designed to cover all your medical needs. Supplemental insurance helps offset out-of-pocket costs missed by your primary health insurance plan. You can choose which coverage category you need better support in. Exploring Aflac’s range of plans may be just what you need to round out your coverage.
There are a few different kinds of plans that determine how the health insurance policy functions. First, there are HMOs (health management organizations), where you get all your medical services done within the organization of physicians. You also must see your primary physician first to be referred to a specialist. 1 Next, POS (point-of-service) insurance plans give you the option to see providers within the network of participating providers they work with or outside of the network at a higher price. With these kinds of plans, policyholders must do the paperwork involved in filing claims themselves. 2 Lastly, PPOs (preferred provider organizations) offer discounted rates to policyholders who see contracted physicians. They can still choose to see an out-of-network provider, but it will likely cost more money. 3
There are a few categories of health insurance to consider. First, there is general health insurance that helps cover medical and surgical needs, prescription drugs, and doctor’s appointments. 4 Next, dental insurance helps cover the costs accompanying oral care. Similarly, vision insurance helps policyholders take care of their eye health. Beyond these major coverage areas, you can explore supplemental insurance to help provide added support for short-term disability, hospital, critical illness, cancer and accident insurance support.
Lastly, it’s crucial to compare insurance rates across the board. Getting a quote from the providers you are considering can help you better understand expected costs and find rates that work for you.
Weighing out the pros and cons of each aspect of your insurance plan will ultimately help you decide what is most important to you. Even if you find a health insurance plan that isn’t the perfect fit, there are other ways to round out coverage—like with the help of Aflac supplemental insurance.
Now that you know a bit more about how to compare health insurance plans, you may better understand where you need more coverage. Aflac’s supplemental insurance plans can work with your health insurance plan to help provide a more enhanced coverage and better financial support. Discover our diverse range of insurance products today.