Choosing a health insurance plan is one of the most important decisions you’ll make. These steps will help you choose wisely.
Think about your health history and how things might change in the upcoming year. Do you go to the doctor a lot? Are you planning to have a baby? Thinking about the services you need will help you determine what type of coverage you should have.
Estimate how much you spend on health care costs each year, including doctor visits and prescriptions. It will help you identify the plan that makes the most sense for you.
Ask if a Flexible Spending Account (FSA) is available and determine if it’s right for you. A Flexible Spending Account lets you use tax-free money to help pay for medical expenses.
Use the online directory to see if your doctor is part of our national network. Some plans require you to use an in-network doctor, while others allow you to see any doctor. Keep in mind that even if your plan includes in-and out-of-network coverage, it usually costs less to see in-network doctors and go to in-network facilities.
Check the prescription drug list to see if your medications are covered.
Find out what other health care expenses are covered, such as emergency care, surgeries and laboratory tests.
Review your enrollment materials to see if your employer offers dental, vision or disability insurance. These are important coverages and can be more cost effective if you purchase them through an employer.
Look to see if you're offered incentives for taking certain actions to improve your health.
Complete the HSA Bank Application before the health plan's start date (if applicable).
Take a health assessment on myCignaplans.com (if applicable).
Call the pre-enrollment line phone number provided by your employer if you have additional questions.
For help understanding health care terms, you can look through our health care glossary.
If you’re a Cigna customer and want to find out more about the useful tools and health resources available to you, register for myCigna.com.
This information is not intended for residents of New Mexico.