When Comparing Health Insurance, Look at Total Costs
In addition to how much the plan costs overall, people with serious medical conditions need to carefully review whether the drugs they take are on the plan formulary, and the specialists and facilities they visit regularly are in the plan's network, say experts, as well as their out-of-pocket costs to go out of the network.
"People need to do an honest assessment of their needs, and determine what's on their 'must have' list," says Kirsten Sloan, senior director of policy at the American Cancer Society’s Cancer Action Network.
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Kaiser Health News is an editorially independent program of the Henry J. Kaiser Family Foundation, a nonprofit, nonpartisan health policy research and communications organization not affiliated with Kaiser Permanente.
Mon, Dec 19 2011