{"id":253,"date":"2017-02-19T11:00:43","date_gmt":"2017-02-19T19:00:43","guid":{"rendered":"http:\/\/www.blueskycoverage.com\/blog\/?p=253"},"modified":"2025-01-28T14:34:02","modified_gmt":"2025-01-28T22:34:02","slug":"ways-to-make-shopping-for-health-insurance-easier","status":"publish","type":"post","link":"https:\/\/plans.blueskycoverage.com\/blog\/ways-to-make-shopping-for-health-insurance-easier\/","title":{"rendered":"Ways to make shopping for health insurance easier."},"content":{"rendered":"<p>Health insurance choices can be dizzying. There are so many options available, it can often be hard to choose. To make the task easier for yourself, it&#8217;s important to zero in on what you want from a plan. This involves learning a bit about health insurance first. To make your health coverage choice easier, we suggest:<\/p>\n<p>1. Learning important insurance terms.<\/p>\n<p>You&#8217;ll need to understand what you are looking at to make an informed choice. A few of the most important terms you&#8217;ll see:<\/p>\n<ul>\n<li>Copay: This is a flat amount that you&#8217;ll pay each time you see a healthcare provider for a covered service. For instance, if you have a\u00a0copay\u00a0of $25, you&#8217;ll be charged that when you go to see your primary care physician.<\/li>\n<li>Deductible: This is the amount that you need to pay before your health insurance kicks in for covered services. Typically, the lower your deductible, the higher your monthly premiums.<\/li>\n<li>Coinsurance: This is the percentage you can be charged for covered services after your deductible. For instance, if you have insurance that covers 65% of charges for a hospital stay, you&#8217;ll be responsible for the other 35%.<\/li>\n<li>Out of pocket limit: This is the maximum amount you can be expected to pay for services in a year. An out of pocket maximum of $5000 means that you will not have to pay out of pocket for any coinsurance or\u00a0copays\u00a0that exceed that.<\/li>\n<\/ul>\n<p>2. Learn about premium tax credits.<\/p>\n<p>You may be entitled to tax credits to help you afford premiums for insurance from a state or the Federal Marketplace. These are based on income and family size and can make insurance far more affordable.<\/p>\n<p>3. Learn about tiers of coverage.<\/p>\n<p>Put simply, this governs how much you pay per month and how much coverage your receive. People who are young with few medical issues may choose a lower, less expensive tier. Those with chronic health problems may save money choosing a higher tier.<\/p>\n<p>Once you understand more about what is available, the choices become far simpler. Fill out our simple form today to learn more about the best insurance option for you.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Health insurance choices can be dizzying. There are so many options available, it can often be hard to choose. To make the task easier for yourself, it&#8217;s important to zero in on what you want from a plan. This involves &hellip; <a href=\"https:\/\/plans.blueskycoverage.com\/blog\/ways-to-make-shopping-for-health-insurance-easier\/\">Continue reading <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":254,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-253","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/plans.blueskycoverage.com\/blog\/wp-json\/wp\/v2\/posts\/253","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/plans.blueskycoverage.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/plans.blueskycoverage.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/plans.blueskycoverage.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/plans.blueskycoverage.com\/blog\/wp-json\/wp\/v2\/comments?post=253"}],"version-history":[{"count":1,"href":"https:\/\/plans.blueskycoverage.com\/blog\/wp-json\/wp\/v2\/posts\/253\/revisions"}],"predecessor-version":[{"id":255,"href":"https:\/\/plans.blueskycoverage.com\/blog\/wp-json\/wp\/v2\/posts\/253\/revisions\/255"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/plans.blueskycoverage.com\/blog\/wp-json\/wp\/v2\/media\/254"}],"wp:attachment":[{"href":"https:\/\/plans.blueskycoverage.com\/blog\/wp-json\/wp\/v2\/media?parent=253"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/plans.blueskycoverage.com\/blog\/wp-json\/wp\/v2\/categories?post=253"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/plans.blueskycoverage.com\/blog\/wp-json\/wp\/v2\/tags?post=253"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}