How to Avoid Common Mistakes When Picking Insurance

Other considerations include whether the plan requires you to stay in-network with certain providers or if it requires referrals for procedures or specialists. HMOs, for example, often require a referral before scheduling a procedure or visiting a specialist, which can limit your choice of providers.
Lastly, you’ll want to review the list of covered medications. Many individual health insurance plans cover a wide range of prescriptions, but some only offer coverage for generic drugs or limit the number of times you can renew a medication each month. If you have a few specific medications in mind, it’s worth taking the extra time to check the pharmacy list before deciding on a plan. Fortunately, there are a lot of resources available to help