Hello. I am posting this because I am trying to figure out what might be the best path for insurance next year. I have been having neurological issues over the past few months, and based on a conversation with my neurologist yesterday, it is looking like I will require a fair number of appointments, tests, services, and medications in 2021. I am hopeful that I will not end up in the emergency room, but as I had earlier in the year (which included multiple tests and a CAT scan), there is the possibility that this will also be the case again.
How should I determine which policy to get? Should I be looking at plans that have my current specialists in-network? Should I be looking at possible diagnoses and associated costs? Should I be looking at maximum out-of-pocket costs? Should I be looking at other factors?
For reference, I am a young, healthy adult (aside from the aforementioned issues). I technically live in Illinois and Wisconsin, so I have the ability to choose either if I go the healthcare.gov route for insurance. Additionally, I am fortunate enough to be financially secure, so I am not necessarily limited to any particular policy.
Any guidance would be much appreciated. Thanks!
submitted by /u/math_dummy
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Hello. I am posting this because I am trying to figure out what might be the best path for insurance next year. I have been having neurological issues over the past few months, and based on a conversation with my neurologist yesterday, it is looking like I will require a fair number of appointments, tests, services, and medications in 2021. I am hopeful that I will not end up in the emergency room, but as I had earlier in the year (which included multiple tests and a CAT scan), there is the possibility that this will also be the case again. How should I determine which policy to get? Should I be looking at plans that have my current specialists in-network? Should I be looking at possible diagnoses and associated costs? Should I be looking at maximum out-of-pocket costs? Should I be looking at other factors? For reference, I am a young, healthy adult (aside from the aforementioned issues). I technically live in Illinois and Wisconsin, so I have the ability to choose either if I go the healthcare.gov route for insurance. Additionally, I am fortunate enough to be financially secure, so I am not necessarily limited to any particular policy. Any guidance would be much appreciated. Thanks!
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