Why You Should Evaluate Your Health Care Coverage

Once you choose your health care coverage, it is tempting to file the papers away and move on. However, there are many reasons why regularly reevaluating your healthcare coverage benefits you and your family. Here are some things to consider when evaluating your insurance coverage regularly.


Insurance costs are fluid, so your healthcare coverage costs can change from one plan year to another. Make sure you know your health care coverage’s fee structure for deductibles, copayments, and coinsurance. Depending on your situation, you might prefer a plan with a high premium and low copays and deductibles. Conversely, it might be more appropriate to research insurance plans with low monthly premiums and higher copayments and deductibles for your situation.

Life Change 

Life changes may lend themselves to changes in your coverage needs. Review and update your insurance coverage based on your and your dependents’ ages and current medical conditions. In any case, be informed about your health insurance plan. Find out the plan’s specific coverage for medical, vision, and dental situations.

Plan Changes  

Additionally, even if you have had the same plan for many years, insurance companies will change the coverage levels. Sometimes these changes occur in a plan year. By law, you will receive written notice of any changes to your insurance coverage.

Network Changes  

One of your primary concerns when evaluating your insurance plan is likely being able to continue to see the same medical professionals whom you have a relationship with. Consider your policy’s services in and out of the network when evaluating your coverage.

 “In-Network” means that your doctor joined your insurance company’s network of healthcare providers and charges less. “Out-of-Network” refers to a doctor that has not partnered with your insurance company to lower the costs. As a result, you may have to pay part or all of the bill yourself.

Claim Process 

Insurance claims can be confusing and take up a considerable amount of time. Some insurance companies allow you to file your claims online. The ease with which you can file your claim is an essential consideration for many families.

Company Reputation  

Your health insurance package is essential for your peace of mind and financial future. When evaluating plans, investigate the reputation of your current insurance company or the one you are considering. Here are some questions you can ask: 

  • Is the company financially solvent?
  • Does it provide quality care?
  • Does the insurance company offer excellent customer service?
  • What do the reviews online say about the insurance company?

Tom Miroballi, Independent BCBS Agent, will help you evaluate and select the right insurance package to make your healthcare work for you. Tom will explain the terms, rules, or whether the plan will cover something before signing up. Affordable health insurance is just one call away! Give Tom a call at 630-863-3477 or email him today!