Health insurance is a necessity. Routine hospital bills can put a dent in your bank account, not to talk of unexpected health emergencies. This is why it is important to have health insurance. However, it can be confusing trying to figure out which health insurance provider and plan is right for you. Luckily, there are some things you can keep in mind that will help make the process a little easier.

Here are four things to consider when looking for a health insurance provider.


When you’re looking at health insurance providers, make sure that they offer the kind of coverage that you need. There is no point in paying for a plan otherwise. 

For example, if you have a chronic illness, make sure that the provider covers treatments for that illness. Or, if you’re planning on starting a family soon, you want to find out if the provider offers maternity coverage. Or, if you have a family member in need of memory care, you’ll want a provider that offers coverage for it.


When you have health insurance, you usually have to use providers within the insurance company’s network. This means that you want a provider who has a good network of doctors, hospitals, and other healthcare providers.

And if you have a specific doctor that you want to continue seeing, make sure that they are in the provider’s network. You can usually find this information on the provider’s website.


Of course, you’ll also want to make sure that you can afford the health insurance provider that you choose. Look at the monthly premiums and any deductibles or copays that you might have to pay.

You will also want to look at things like whether the provider offers discounts for healthy lifestyle choices or if they have any programs to help further lower the costs of prescription drugs.

Customer Service

If you have ever had to deal with bad customer service, you know how important it is to have a provider who prioritizes good customer service. You’ll want to make sure that the provider you choose has good customer service so that you can get the help you need when you need it.

Luckily there are many ways to gauge the customer service practices of businesses these days. First, you can try to find them on online review sites. Or you can also find information about a provider’s customer service by talking to someone who has used their services before.

You can also test out a provider’s customer service by calling them yourself and asking a few questions. See how long it takes for them to answer the phone and how helpful they are.

Keep these four things in mind when you’re looking for a health insurance provider and you should be able to find one that is a good fit for you.