Which is best health insurance plan for senior citizens ❓❓

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What should I consider when choosing a health plan?
While a lot can go into choosing a health plan, these five quick check points are a good starting place.

What to Consider What it Means How to Decide
Deductible The amount you pay before your health plan covers costs for medical services. If you're likely to have surgery or a lot of medical care expenses, you may want a lower deductible, which is the amount you pay before your health plan covers costs.
Network The hospitals, health care providers and labs that Cigna has negotiated lower rates with to provide health care services. Determine if your doctor is in the plan's network.
Providers Your doctors - both primary care and specialists. You may want to choose a plan where your provider is in-network to avoid extra costs.
Prescriptions Any medications you take that have been prescribed by your doctor. Different plans may have different copays or coinsurance for covered prescriptions. Review the plan to understand how your prescriptions are covered.
Value-added Benefits Any additional things your health plan provides for you, such as access to mobile apps, or discounts. While you may not choose a plan for the additional benefits, it's nice to know if your plan includes 24/7 customer service or discount programs.
Questions to ask before you choose a health plan.
How often do you or your family need medical care?
Many medical costs are covered by you until you reach your deductible. If you anticipate a lot of medical care, you may want a lower deductible. But, plans with lower deductibles generally have a higher monthly premium.
Do you have any planned surgeries?
These large expenses are something that you should consider when you are choosing your plan.
Do you have a doctor you regularly see?
If you do, make sure that doctor is in-network for the plan you choose.
What prescriptions do you or your family need? How often do you need them?
Check your plan's prescription drug list for the prescriptions you take often
What other benefits should I consider?
When you're comparing health plans, look for useful tools and services that may come at no additional cost and help you save time and money, and support your health.

Websites and mobile apps
24/7 customer service teams
A health information phone line for help finding answers to your medical questions
Discount programs to help save on health and wellness products and services

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