Health insurance that fits your budget
While your health plan needs to fit your medical needs, it also needs to fit your budget. As you think about your plan options, it’s best to choose the highest level of coverage that you can afford.
Factors to think about before you enroll
You can take control of your health and afford health insurance.
1 Don't shop on the premium alone
Choosing a plan based on the size of your paycheck deduction could be an expensive mistake. Because Starbridge products are limited-benefit plans, it’s best to choose the highest level of coverage that you can afford.
2 How much will you spend out-of-pocket?
Think about how many routine doctor visits (and non-routine specialist visits) you expect next year. It is also important to figure out how much your out-of-pocket expenses will be (such as your co-pays, co-insurance and deductible).
3 Understand how your plan works
Maximize your health benefits by using in-network doctors for preventive care, requesting generic prescription drugs, and using the ER only for emergencies.
4 Take advantage of tools and services
Does the plan offer a wide range of tools to help you stay healthy? If you are sick, can you call a nurseline? Are there tools available to compare doctor and hospital costs? With Starbridge, you can access all of these tools to help you stay healthy and prevent serious illnesses.
5 Don’t forget…
One of the best ways to avoid medical expenses is to take care of yourself by getting preventive care, eating well and exercising.
Ask yourself...
- How many people will be covered?
- What ages are the people covered?
- What is your health status?
- What is your family medical history?
- How much are the plan's out-of-pocket expenses?
- How many routine doctor visits do you expect next year?
- How many non-routine (specialist) visits do you expect next year?
- What are your annual prescription drug costs?
- What is the benefit maximum?
Top 5 Insurance Myths
- Going to the ER for non-emergencies is cheaper than going to a doctor.
- Good health care is unaffordable.
- Most uninsured people are not employed
- There are no serious health consequences for not having health insurance.
- I don't need life insurance if I don't work.
How do I...
budget for expenses?