6 tips for smooth (and surprise-free!) health insurance shopping

When you're choosing a health insurance plan, it's a good idea to have some basic information on hand and do a little thinking about your priorities and preferences. We’ve created a checklist to help you get prepared for health insurance shopping!

Check off each item and then you’ll be ready to shop!

1. Have Your Personal Info Ready

  • Name(s)
  • Phone number
  • Email address
  • Mailing address
  • Health history

2. Make a List of Your Physicians & Hospitals

  • Physician name(s)
  • Hospital name
  • Phone numbers
  • Locations

3. Estimate Your Health Expenses

  • Ballpark upcoming doctor, hospital and ER visits
  • Anticipate new health events (starting a family, major dental work, etc.)
  • List your Rx dose, quantity and current co-pay

4. Determine Your Top Priorities

  • Lower co-pay/co-insurance
  • Lower annual deductible
  • Lower monthly premium
  • Lower prescription drug costs
  • Specialized drug coverage
  • Keeping your doctor/specialist
  • Coverage while traveling

5. Factor In Your Budget

  • How much do you have in savings (HRA, HSA and/or FSA)? You may be able to handle a higher deductible
  • Do you visit your doctor a lot? Consider a higher premium but lower co-pays for office visits
  • What did you spend on health care last year? You may need help with high recurring costs like Rx

6. Chat With A Mylo Expert

Mylo’s friendly licensed insurance agents look forward to answering your questions and guiding you to a plan that fits your needs — and budget.

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We decode health care so you don't have to!

Most of these checklist items are simple, and others might need a little decoding (so we’ve created a simple glossary of tricky health insurance terms).

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