This is a guest post.
Whether you are searching for new health insurance or just seeing what else is out there, the network could be the x-factor. Depending on your needs and matters of convenience, it could be worthy of close watch. Follow along for more on this dynamic element.
The All-Important Network
For some of you, the health insurance network is about as important as it gets. If you are in this category, perhaps some of the following statements are true:
- You love your doctor(s)
- You have access to specialists in your network that are extremely vital to your health needs
- The network you have caters to your needs; whether you’re at home or visiting family, you have superior access to health services
Sound familiar? While some other health insurance plans may be able to work in your current standards, you may have gotten used to the benefits of having a great health insurance network. And whether it’s due to convenience or serious health reasons, there is a personal premium on your network. This could make things more difficult, as we will see later.
“It’s A Network…”
Maybe you don’t have warm and fuzzy feelings about your network. Perhaps you could easily adjust to new doctors and clinics in your area. Or…:
- Rarely needing to see your doctor(s), you aren’t very attached to them
- The service that you currently have – with regard to easy access from your network – is acceptable or subpar; again, nothing to “write home about”
- It can be a pain to get in when you’re out of town
Rest assured, it’s alright to feel this way. After all, not all health insurance networks are perfectly tailored to match your every need. You also have to consider your health needs: you simply may not need that much, or anything special.
As we move on to how these categories affect health insurance plans, you can feel better knowing that this gives you maximum potential for saving money.
Window Shopping For Health Insurance
Maybe it’s time you switched health insurance policies. Alternatively, maybe it’s time to just see if there are better policies that can stretch the dollar a bit more. In either case, it pays to think about your network-related needs when you set out on your search to compare health insurance.
If you found yourself in the latter category, this will give you a great leg up on your search. While you shouldn’t neglect any particular needs regarding doctors and your overall network, you can feel free to loosen up a bit in this area. What can result may be well worth any concessions – perhaps a great premium that will be well worth switching doctors.
Do you have a network that you know and love – and maybe even need? Indeed, it may be a bit of a reach to switch policies, but don’t lose hope. Here are some ideas to consider:
- See if other insurers, or your current insurer, offer other policies that have the exact same network. It can happen.
- If you have a couple of needed practitioners, you could search for networks that have the essential components of your beloved network.
- You may just need to stick with your current insurer. Look for discounts, such as multi-policy discounts, and other ways to save money on insurance. Exhaust all of these great health insurance tips (pay for the year in full to save on interest/protect rate increases, use savings accounts and raise deductibles, consider prescription and other plans to complement your policy and reduce costs, etc.).
Overall, it is easy to see the role your health insurance network can play. Recognize your needs and allow them to help you in the search for a better policy – even if it is where you currently stand.