Find Your Best Fit
Find Your Best Fit
Which health plan is right for you and your family? Let’s take a look at a few examples.
-
Julie
Being active is a priority in Julie’s life. She doesn’t need to see the doctor very often, and she visits the dentist only for routine care. She does use orthotics though, due to some plantar fasciitis that she experiences sometimes while standing on the concrete floors of the warehouse where she works.
Age 35 Marital/Family Status Single with no children Health Status Healthy Health Care Usage Low Best Options Basic Health Plan, Preventive Dental Plan Why? Because Julie is a low user of health care and has no prescriptions, she doesn’t need a high or even moderate level of coverage. The Basic Health Plan provides the same maximum for orthotics as the Standard and Premium Health Plans but the co-pay is 50%, and she’ll pay lower monthly costs under the Basic Health Plan. The Preventive Dental Plan works for Julie because it provides 100% coverage for basic services such as oral exams, X-rays, cleanings and fillings.
-
Maria
Maria goes to the doctor once or twice a year, plus the occasional specialist, and has one prescription. Her son Alex is healthy but often picks up seasonal colds and flu from daycare. Maria and Alex get dental check-ups once a year and don’t foresee needing any major dental work next year. Maria doesn’t want to pay unnecessary costs but also doesn’t want to be surprised by out-of-pocket expenses if Alex gets sick and needs to go to the doctor.
Age 28 Marital/Family Status Single with one whild Health Status Healthy Health Care Usage Moderate Best Options Standard Health Plan, Preventive Dental Plan Why? The Standard Health Plan is a good option for Maria because she’s a moderate user of health care. It also covers Alex in the event he catches a cold or comes down with the flu and needs to see a doctor. Maria will pay slightly higher monthly costs in the Standard Health Plan than the Basic Health Plan, but she’ll have peace of mind knowing she and Alex have coverage when they need it. The Preventive Dental Plan covers their annual checkups.
-
John
John is married with two children. He wears glasses and one of his daughters is going to need braces next year. His wife is a diabetic.
Age 43 Marital/Family Status Married with two children Health Status Moderately healthy Health Care Usage High Best Options Premium Health Plan, Enhanced Dental Plan Why? The Premium Health Plan is the best option for John and his family because they’re high users of health care. The Premium Health Plan provides 100% coverage for his glasses and his wife’s medication. John should choose the Enhanced Dental Plan because it will cover 50% of the cost of his daughter’s braces, up to a lifetime maximum of $2,000, whereas the Preventive Dental Plan doesn’t provide coverage for orthodontics.