Buying Health Insurance: How to Choose the Right Plan
The right coverage depends on your individual needs.
What should I consider when choosing a health plan?
Are you looking to buy
While a lot can go into deciding on a health plan, these five quick check points are a good starting place.
What to Consider
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What it Means
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How to Decide
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Deductible
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The amount you pay before your health plan covers costs for medical services.
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If you're likely to have surgery or a lot of medical care expenses, you may want a lower deductible, which is the amount you pay before your health plan covers costs.
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Network
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The hospitals, health care providers, and labs that Cigna HealthcareSM has negotiated lower rates with to provide health care services.
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Determine if your doctor is in the plan's network.
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Providers
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Your doctors—both primary care and specialists.
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You may want to choose a plan where your provider is in-network to avoid extra costs.
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Prescriptions
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Any medications you take that have been prescribed by your doctor.
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Different plans may have different copays or coinsurance for covered prescriptions. Review the plan to understand how your prescriptions are covered.
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Value-Added Benefits
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Any additional things your health plan provides for you, such as access to mobile apps, or discounts.
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While you may not choose a plan for the additional benefits, it's nice to know if your plan includes 24/7 customer service or discount programs.
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Questions to Ask Before You Choose a Health Plan
How often do you or your family need medical care?
Many medical costs are covered by you until you
Do you have any planned surgeries?
These large expenses are something that you should consider when you are choosing your plan.
Do you have a doctor you regularly see?
If you do,
What prescriptions do you or your family need? How often do you need them?
Check your plan's
What other benefits should I consider?
When you're comparing health plans, look for useful tools and services that may come at no additional cost and help you save time and money, and support your health such as:
- Websites and mobile apps
- 24/7 customer service teams
- Health information phone line for help finding answers to your medical questions
- Discount programs to help save on health and wellness products and services
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Disclaimer
Individual and family medical and dental insurance plans are insured by Cigna Health and Life Insurance Company (CHLIC), Cigna HealthCare of Arizona, Inc., Cigna HealthCare of Illinois, Inc., Cigna HealthCare of Georgia, Inc., Cigna HealthCare of North Carolina, Inc., Cigna HealthCare of South Carolina, Inc., and Cigna HealthCare of Texas, Inc. Group health insurance and health benefit plans are insured or administered by CHLIC, Connecticut General Life Insurance Company (CGLIC), or their affiliates (see
All insurance policies and group benefit plans contain exclusions and limitations. For availability, costs and complete details of coverage, contact a licensed agent or Cigna sales representative. This website is not intended for residents of New Mexico.