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Getting health insurance, whether it is the first time you are getting insurance, or you are merely switching plans, can be a confusing time. This is particularly true with all of the changes that have been made in recent years due to the Affordable Care Act. It is very important for residents of Kentucky to understand the Kynect system and the healthcare plans they choose. This will ensure that they have exactly the coverage they need and that they will be able to afford the plan.
Understand Your Plan
There are many different types of plans, and they all work a bit differently. It is important to check with the insurance company to understand everything you need to know about the plan. For example, you will want to know what your copayments will be for doctor visits. What is the cost of out of network copayments? How much will prescription drugs cost? Will you have any limits on specialized services? What will it cost to go to the emergency room? Make sure that you ask all of these questions, and any others that you might have, when you are choosing your plan.
Words You Need to Know
The “provider” is someone who provides medical care for you. They could be your doctor, or a specialist. The term “network” refers to a group of providers that your insurance company works with. “Out of network” means that the insurance company doesn’t work with them, and you will need to pay more for the service.
The “deductible” is the amount that you will need to pay out of pocket before the health insurance plan will kick in and start providing coverage. The amount of your deductible will vary based on the plan you choose, so make sure you understand just how much you will need to pay before the insurance starts covering you. The “copayment” is the amount of money that you will have to pay upfront for certain services, such as doctor visits and prescriptions.
Where Should You Go for Care?
If you have a non life-threatening problem, you will want to go to your primary care physician rather than the emergency room. The primary care doctor knows your medical history and the cost will generally be less. In addition, you can usually be seen by your primary care provider faster than you can through the emergency room.
When you are choosing your primary care provider, you need to choose the one that’s right for you. First, you want to check the names of the providers that are in your plan’s network. Second, you can ask for referrals from friends and family. Then, you can do more research into the doctor to learn more about them and what they have to offer. You can even call them and interview them. Once you find a good primary care provider, you can test the waters until you find the right one. When you are happy and comfortable with the doctor, you can finally make your decision. Make sure you ask the doctor’s office what you need to bring with you on your first visit, and for any subsequent visits.
Choosing a healthcare plan is not something you can do lightly. You need to make sure you are choosing a plan and a primary care provider that will truly work for your needs.