First of all, I am so thankful to have a job that provides quality health insurance. It is such a privilege to have options in health care.
As we head into the last few days of 2013, I am looking at the different plans available during my open enrollment period. As with many other health care choices, choosing between the available plans means deciding which aspects of my care are most important to me.
- If you have different health care options available to you, how do you decide what is right for you and your family?Is it more important to me to have a lower co-pay for each appointment (with a GP or a specialist), or have the ability to see any doctor I want without a referral?
- Is it more important to have a lower cost for prescriptions or more prescription options available?
- Is it more important to have a lower deductible or more services that only require a small co-pay, which doesn’t apply to a higher deductible?
Have you heard about the Monty Hall problem? That was an interesting rabbit trail I ended up on last night…