Shopping for health insurance can be tough seeing that there are so many coverages to choose from. When comparing rates you also need to compare coverage. I decided to visit one of our preferred Independent Insurance Agents from here in Tucson, Arizona. He was great about showing me the best plans to choose from. He made it a point to find me an affordable rate while still keeping focus on the plans available. As I was looking at a few plans offered by United Health Care their were two I noticed that both had the same $5000 deductible, $35 visit copay and 80/20 Coinsurance. One was the Copay Saver which had a premium of about $145. The other was the Copay-Select, same deductible, copay and coinsurance, however this premium was set at $192.00.
There are so many people out there who are quick to choose the lowest premium plan and apply. Within this website we show shoppers how to save more on insurance, however, we also make it clear to our readers that we all must read the fine print to make sure the coverage we choose will best fit our needs.
As I looked at the two plans, I asked the Agent, what does the $192 copay-select plan have that the copay-saver plan is missing. So he opened up the brochure and started taking a look within it to see what the catch is. Below I provided a scan of what the brochure says about the copay-saver plans.
These were definately things I needed included on my family plan. One other item that wasn’t mentioned on the image above was the limit of two doctor office copays per year. After two visits, there are no more financial help for doctor visits. I also have a 2 year old going on this plan so I needed more than two visits a year for her. In conclusion, when shopping for family or individual health insurance make sure not to just grab the lowest price plan you see. Take a look at the details and make sure it’s a plan that will fit your family needs.