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You also have the right to see a list of doctors and clinics that are part of each plan’s network, along with a description of the services that each provides. You may have to pay more out-of-pocket for care outside the network.
Large employers have a larger budget and can offer more comprehensive benefits than small businesses, which is why it’s important to compare benefits packages with those offered by your peers in other industries. You can use industry cohort reports to do this.
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Look at Your Co-pays and Deductibles
The terms deductible and copay can be confusing, but it's important to understand how they work. A deductible is the amount you must pay for services before your insurance begins to share costs with you. Copays are fixed dollar amounts you pay for medical visits or prescriptions.
The higher the deductible, the lower your monthly premium will be. Some people choose to have a high deductible health plan (HDHP) with a low monthly premium if they know they'll be getting a lot of care in the year ahead. Other people choose to have a lower deductible with a higher monthly premium if they want more predictable costs each month. You can find out more about your deductibles and copays by logging into Blue Access for MembersSM. You can also learn about cost-sharing reductions, if applicable.2 These savings help you avoid paying your deductible and can make your coverage more affordable.
Look at Your Options
Whether you’re choosing a plan during Open Enrollment at your job or you are shopping for coverage on the health insurance marketplace, it is important to look at all your options. If you are unsure about the terminology or different plans available, consider asking yourself some key questions. Doing this could help you find a plan that works for your budget and healthcare needs. Whether you are aging out of your parent’s plan, need to renew or change your current policy, or looking for new coverage based on a qualifying life event, the tips below can help you navigate your options and find the best one for you.
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Its customer satisfaction score is 0.26, which is better than the industry average. Its recent merger with CVS Health is a major step in its vision to create a more integrated healthcare experience for customers.
United Healthcare
Among the largest health care companies, UnitedHealthcare provides a full spectrum of benefits programs for individuals, employers and Medicare and Medicaid beneficiaries. Its healthcare provider network includes 1.3 million physicians, specialists and hospitals.
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