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 START HERE - What Health Insurance is Right for Me?
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"My focus is on my business and getting money coming in the door. At the same time, I realize that if I get sick or have a major health issue, everything I’ve worked so hard for would be at risk. Are there insurance products out there designed for someone like me?"

Self-Employed

STEP 3: EVALUATE YOUR OPTIONS.

Once you have identified the type of health coverage you want, you are ready to research and compare some health plan products. When selecting a health plan that will meet your needs, keep in mind the following factors.

The overall value of each plan—Does it provide the coverage you need at an affordable price?

Choice of health care providers and services—Does it provide you with the health care providers you want to visit?

Stability and quality of company service—Is the health insurer a stable company with a reputation for quality customer service? Is the health insurer approved to sell health insurance in Alabama?

REMEMBER: The most important service to be covered is hospitalization. If you are not covered for hospital care, then one sickness could cost you thousands of dollars, even hundreds of thousands of dollars.

CHOOSING A HEALTH PLAN CHECKLIST

Try to compare and evaluate two to three potential health plan options. This can seem like an overwhelming process but it does not have to be. Use this Choosing a Health Plan Checklist to help you organize your evaluation process.

Plan Coverage/Services

Policy #1

Policy #2

Policy #3

Inpatient hospital services

 

 

Outpatient surgery


 

 

 

Emergency room care

 

 

Maternity care


 

 

 

Pre-existing conditions

 

 

 

Work-related injuries


 

 

 

Prescriptions


 

 

 

Medical tests, X-rays


 

 

 

Preventive care, routine check-ups

 

 

 

Physical or speech therapy

 

 

 

Hospice care


 

 

 

Choice of doctors


 

 

 

Mental health care


 

 

 

Immunizations


 

 

 

Physician office visits


 

 

 

Monthly/Annual Costs

 

 

 

Individual Premium/monthly

$

$

$

Family Premium/monthly

 

 

 

Individual Deductible/year for medical care

$

$

$

Family Deductible/year for prescription drugs

$

$

$

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