Choosing A Medical Plan

Key Considerations 

Unsure which medical plan is right for you? Here are some key items to consider when selecting a medical plan:

  1. Your Doctors – Do you prefer to see specific doctors? Visit the Anthem’s website to check that the doctors you see regularly are in-network before enrolling in a plan. If your doctor is not in network, a visit will cost you more. A few minutes of research can avoid an expensive surprise.
  2. Your Healthcare Needs – Do your family members need to see a doctor often or visit urgent care? Do you have regular lab work or X-rays? Do you take medications on an ongoing basis? Do you have surgery planned? Review the benefit tables in this guide from page 24 to 26 to compare your costs.
  3. Your Total Cost – How much will be deducted from your pay for coverage? Does the plan have a deductible? What is the plan's annual out-of-pocket maximum? Can you offset your costs with a tax-free health account such as an HSA or an FSA? Each of these factors can affect your bottom-line cost for healthcare.

Visit the Compare Medical Plans webpage to learn more about the different medical plans available to you. Understand the difference between the different types of plans (PPO, EPO, HDHP) by reviewing the sections below. To better understand the terms used in medical plans, review the key terms section. 

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