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How to Choose a Health Care Plan

Compliments of Anthem Blue Cross and Blue Shield

Businesses and individuals today are looking for advice and information on how to choose a health care plan that's right for their specific situation.  Here are ten guidelines to keep in mind when decision time for health insurance comes around.

1. Consider your employee needs and demographics to guide your plans.

2. Look for an insurance carrier with a broad network of physicians and hospitals, particularly where your employees work, live and travel whether in the U.S. or abroad.

3. Review your specific plan design and assess potential new plan designs and their impact on value and pricing.

4. Get to know more about new consumer choice health plans and health savings accounts to see if these work for your organization.

5. Evaluate your options on pharmacy and ancillary coverage such as vision and dental features to see if modifications here are worth considering to hold down overall premiums or to enhance your plan as a competitive recruiting advantage.

6. Find out about special features that may be embedded in a health insurance plan like discounts on health related items, wellness programs, health information resources and special offers that add value to the overall package.

7. Service is an important feature of any health care plan.  Look for the service and quality track record of any health insurance carrier you may consider.

8. Consider the stability and reliability of the health insurance carrier of your choice.

9. Ask your broker for assistance on planning and new products and services.

10. Look for Chamber and Association discounts like those offered through the Greater Indianapolis Chamber of Commerce.

These ten tips will get you started in making a smart health plan choice.  Anthem Blue Cross and Blue Shield, committed to improving health, hopes these tips are helpful and wishes you good health and good decision making in this important process.

The Greater Indianapolis Chamber of Commerce, along with Anthem Blue Cross and Blue Shield, is helping to provide additional health and wellness programs for you and your employees through ChamberFit.  This program is available to central Indiana employers that have between 2 and 99 employees and are a member of the Greater Indianapolis Chamber of Commerce.  For more information, please contact your local health insurance agent, the Greater Indianapolis Chamber of Commerce, or Anthem at 1-877-814-4327.