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3 Important Tips For Getting Health Insurance In Montgomery AL

Jackson Hospital
Jackson Hospital
1725 Pine St
Montgomery, AL 36106
Phone: (334) 293-8000
Plus Code: 9P87+RV Montgomery, Alabama
Map: Map

The facts are, finding a quality health insurance plan can be a somewhat trying endeaver.  If you find that you are uncertain where to begin, you are not alone.  This article provides you with 3 useful steps in finding a high-quality health insurance plan for you and your family.

Tip Number 1: Compare different forms of health care plans

There are several health plan options that you may choose from in Montgomery AL.  Some you may not be aware of - like faith-based health plans.  Faith-based health plans, or health care sharing plans, (as they are sometimes referred to), function very much like traditional health insurance plans.  However, they are not insurance plans at all - at least not in a legal sense.  The new short-term plans are so different from what was offered in the past, they should be considered a brand new option as well.  We will touch on all the options available in the Montgomery Alabama region, below.

Your healthcare plan options in Montgomery are:

  • Traditional health insurance plans. Traditional health insurance refers to health insurance plans that are under the Affordable Care Act umbrella. Companies offering these plans include: BlueCross BlueShield.
  • Short-term health insurance plans. Short-term health insurance plans are not so "short" any more.  Thanks to new government guidelines, you can, in some cases, keep the same low-cost short-term health insurance plan for a year or longer - making such plans a viable long-term health insurance option.  Companies offering these plans include: United Healthcare, National General.
  • Faith-based healthcare plans. Faith-based, or healthcare sharing plans is an exploding new market.  Their unique plan structure makes such plans an intriguing and affordable alternative to traditional health insurance plans.  Companies offering these plans include: OneShare Health.

When evaluating your options always review the plan's summary of benefits.  Most health plans summaries are closely associated with the plan descriptions found on any quality online health plan source.  A provider directory, which displays the facilities and doctors that are part of the plan's physician network, should also be readily available.

Also, when comparing various plans, make certain to pay serious attention to your family's current medical needs.  Consider the cost and manner of treatment you have gotten in the past.  Though it is not possible to foretell every future medical circumstance, being aware of your family's medical history can assist you in making the right decision.

Good to know:  You shouldn't promptly pay medical bills.  Yes, you read that right.  The reason is, healthcare providers tend to send bills well before the insurance company has decided what part of the claim they are obligated to pay.  The average person sees a bill and thinks they are obligated to pay it.  This couldn't be further from the truth.  Health care companies routinely shoots out bills to everyone one involved - regardless of who is actually responsible for paying it.  You need to know what the insurer is going to pay before you do anything.  Our advice? Don't pay a dime until you get an EOB (Explanation of Benefits) from your insurer that explains your claim and how much they are paying.

Tip Number 2: Compare healthcare plan physician networks

Be sure to check the physician network of any plan that you are considering.  Make certain the specific hospitals or doctors you need, are participating in the network.  It's far less expensive to access an in-network doctor or facility than it is to utilize a facility or doctor that is out-of-network.  This is due to the fact that insurance firms negotiate with physicians and hospitals to obtain more reasonable rates.  When you opt out of the network, those negotiated rates are not available to you.  If you have personal doctors and you want to keep visiting them, make certain they are part of the provider network associated with your plan.

Tip Number 3: Compare out-of-pocket costs

Perhaps the most important part of any health plan is the amount you will be responsible to pay should a medical need arise.  Make sure you have a clear understanding of what your plan will pay toward a medical bill, and what you will be required to pay.  You need to be clear on this issue for most every possible medical circumstance.  This includes office visits, x-rays and laboratory tests, emergency room visits, hospital procedures and stays, etc.  Also, make sure you know the maximum amount your plan will pay toward every medical circumstance.  Many plans have lifetime limits.  Some plans have procedure limits.  These are things you do not want to learn of after you gone through a medical circumstance.  You need to know before you purchase your health insurance plan. When it comes to finding a good health insurance plan in Montgomery, there is a lot you need to know.  Talk to the experts.  We are happy to help.  Give us a call today.

Good to know:  Ask for a discount.  You can potentially reduce the cost of your medical bills by asking for a discount upfront.  It may seem unconventional, but many hospitals and practitioners offer certain discounts for which you may be eligible.  For example, some hospitals are part of networks that will reduce your medical bills by a certain percentage if you pay over the phone.  More often than not, these discounts are only available to consumers who ask for them.  Depending on your economic status or the price of your procedure, some medical facilities offer additional discounts that can be paired with your medical insurance to substantially reduce the cost of your procedure.  For example, it's not uncommon for hospitals to offer discounts of up to thirty percent for qualifying customers.

Even if you don't find a discount related to your particular situation, your doctor or hospital may provide you with valuable information about discounts you can use in the future.

Other articles:  Explaining The Growth of Healthcare Sharing Healthplans
Is Short-Term Health Insurance Right For You?