Shopping for health insurance in Delray Beach can be difficult, with the Affordable Care Act in place, consumers have more options than in years past. Finding a suitable health insurance plan should not be confusing. Start by answering these three questions to help navigate your search.

How much coverage do you need?
The answer is based on your general health. How often did you visit the doctor last year? That is a good indication of what to expect in the foreseeable future unless your health has changed. It’s impossible to predict the future, but if you are generally healthy, you should not anticipate that things will change suddenly, and you can probably select a health care plan with low premiums and less coverage.

What kind of plan do you want?
Consumers have many options when shopping for health insurance, but there are two main types of plans. HMOs, also known as managed care, usually offer a small group of doctors to choose from, and your primary care physician acts as your main contact for all health services, referring you to other doctors as needed. A preferred provider organization, or PPO, is typically a network of providers who you may see without a referral from your primary care provider. PPO plans provide more flexibility when picking a doctor or hospital than an HMO. The PPO option usually carries higher premiums and is more expensive overall.

How does your plan handle emergency care?
Inquiring about emergency care is essential for anyone selecting new insurance. Though no one can thoroughly plan for an emergency, you want coverage if you or someone in your family needs immediate care. Before you choose a health plan, make sure your choice includes emergency visits, ambulance rides, hospital stays, and procedures like MRIs and X-rays.

Shopping for health insurance can feel a little overwhelming, whether you are looking at employer plans or selecting in the marketplace. With the right help like iWill Advisors, you will be on the right track toward finding the best plan for you and your family.

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