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With all the options out there for health care plans, it’s hard to know which one is right for you and your budget. It’s also easy to fall into the trap of believing incorrect things about health insurance plans. We’re here to clear up the record.
Founded in Seattle in 2007, Business Health Trust helps small-business owners get competitive benefits, so they can pass on these money-saving advantages to their employees. We serve more than 25,000 small business employees across Washington state.
Myth #1: A low-cost plan will save me money while getting me great coverage.
Low-cost plans can have limited networks. For example, there may be three different types of “bronze” plans available. Without knowing what each plan offers, you could end up with a plan that has limited options, and your current doctors listed as out-of-network. This leads to a lot of frustration when people find out they signed up for the cheapest plan that barely covers anything.
Myth #2: When I switch plans, I can still have the same network.
All insurance plans are not created equal. When switching plans, it’s important to confirm the network being offered. Network names like Plus, Prime, PPO, HMO, and Core all have variations of the insurance carrier’s network. Many people realize too late that the low-budget plan they chose ended up costing them more than their previous plan, and they now have to pay thousands of dollars more just to see their regular doctors.
Myth #3: All insurance plans cover preventive care at 100%.
This is another area where people often make assumptions. Be sure to check and see if your plan covers preventive care before you select the one that’s right for you. All of BHT’s plans are ACA compliant and cover preventive care at 100%. Getting regular health screenings is life-saving and can prevent expensive hospital bills and treatments down the road.
Take a minute to look at each insurance carrier’s website and find out which doctors are covered in the plans you’re evaluating. It will not only save you money, but a lot of trouble down the road.
Questions? Head here.
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