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Health Insurance - Worksheet To See What Your
Best Buy Is
It is difficult to determine exactly what you will spend a year
on health care. You do not know whether you will be sick 6 months
from now and need an operation. Hopefully, you will not.
Using this worksheet, you can begin to make some rough estimates.
Much will depend on what service you need or want, how many people
are in your family, your age, and other factors. Do you need to
have your eyes tested this year? Will you have a mammogram or other
cancer screening test? Does your child need immunizations?
Look at your medical and insurance records from last year as a
guide to what services you might use this year. Add up the actual
costs to you, including premiums. Estimate what you might spend
on your health care in terms of deductibles, coinsurance and/or
copayments, and services that are not covered.
Compare Policy #1, Policy #2, and Policy #3 to determine which
is the best buy for you. Once you finish, look at your completed
checklist of services that are important to you. Is your best buy
the same policy that gives you the most services you need?
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What is your monthly premium?
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Policy #1
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Policy #2
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Policy #3
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Individual
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Family
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Multiply by 12 for annual cost
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What is your deductible or copayment, if there
is one
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Are there any annual limits for days or services
covered and the amount spent on you
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What is the maximum you will have to pay out-of-pocket
each year
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| What is the lifetime limit, if any,that you
will be reimbursed |
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Total estimated yearly cost to you
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