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Health Insurance Basics: How Do I Choose the Right Plan?



Shopping for health insurance is much easier when you know what questions to ask. Independence Blue Cross can help you figure out what type of plan you want, how to find a balance of cost and coverage, and what other benefits you should consider.

Shop and compare HMO health plans from Independence Blue Cross by visiting http://www.ibx4you.com

To learn more about Independence Blue Cross and all of our health plans and services, visit https://www.ibx.com

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42 thoughts on “Health Insurance Basics: How Do I Choose the Right Plan?”

  1. IT'S ALL BS. GET RID OF IT ALL – NOW EVERYONE'S SICK. Have the govt BE THE PR Check signer for the medical care Drs get 1 month off 3 months on. Support – 3whs on , 1 wk off. Govt owns it all – maintains it all = and for God sake get back to nutrition and eating food instead of chemicals.

  2. Please don't limit your learning to this video alone. Health insurance is far too complicated to cover in 3 minutes, and this video neglects key information. Keep learning with other resources (perhaps from a source other than an insurance company 👀)!

  3. I have a question. I have health insurance through pennie Marketplace, and I know there is a 90-day Grace period. If I'm late paying a premium but I'm wondering is it okay to be late a couple months in a row? When I say late, I mean paying the premium 2 or 3 days after it's due. And I'm talking about a couple of consecutive months. In other words, I'm paying it each month, but it's a couple days past the due date when I finally send my payment in.

    So if it's due the 1st of each month, is it okay to pay it by the second or the third day of the month without facing any penalties? I'm talking about doing this for maybe 2 or 3 months in a row. Understand, I am paying the full premium each month, it's just going to be a couple of days late for 2 or 3 months.

  4. I'm less confused, yet still confused…this is a maze of rules and exceptions. I'm starting to realize that the insurers are the key to good healthcare, not the doctors.

  5. This company is the worst to buy insurance from. They will try their best to not cover your medical expenses. I was left with $15,000 bill for my new baby hospital bill. They said the hospital is out of network and we will not pay out of network because should be delivered some where else. Can you believe that.

  6. This is a example please let me know if you know this

    Insurance has 65 dollars for doctor visit
    Uninsured people would pay 300 dollars.
    So if i have insurance n havent start my deductible, does my deductible pay 65 or 300?

  7. How much do I actually save? It seems like I pay MORE money over time. Which is stupid because insurance companies are the reason hospitals are so expensive. Because they are always trying to haggle the hospitals.

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