Plan For Purchase Health Insurance

1415 Words Jul 28th, 2015 6 Pages
. If you were going to purchase health insurance today, which of your “Top
Two” plans would you choose and why? Include the rationale for your choice and information about the deductible, premium, co-pay, and specialist information.
When purchasing insurance it is extremely imperative that one assesses all of the benefits, specifications, and details offered in order to choose the best plan in regards to deductibles, co-pays, and coinsurance-just to name a few. Among the “Top Two” plans that I chose, if I was to purchase health insurance today I would choose the United Healthcare Silver Compass H.S.A. 3600 plan, as it fulfills my healthcare needs the most. This specific plan only has a $500 deductible, full premium, and $0 copay after the $500 dollar deductible for all of the services I currently use the most. In addition, the estimated cost of this plan per month is $13.37.
Furthermore, for this plan there is no charge after the deductible for office visits to a primary doctor, office visits to a specialist, visits to the emergency room, and visits to the urgent care facility; a $0 copay after deductible for brand and generic drugs, no charge for preventive care coverage, and a no charge after deductible for outpatient surgery, imaging, and hospitalization. In addition, there is no charge after deductible for laboratory work, X-Rays, and maternity coverage. Overall, this would be the best plan for me because there are no co-pays and there is no charge after deductible for…
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