Deciding on a health care plan that fits your family’s needs isn’t an easy task. However, it’s definitely an important one. There are so many factors that families must consider, and it can be difficult to find a plan that meets your medical needs and your budget at the same time. If you’re in the market for a new health insurance plan, here are three important tips that will help you select the one that will work best for you and your loved ones:

1. Those who have concerns about money may want to look into an HMO (health maintenance organization) plan that is more affordable but mandates that you use doctors within the network. A PPO (preferred provider organizations) plan will allow you to see a doctor outside of your network if you are willing to pay more, while a POS (point of sale) health plan will allow you to visit a physician that is not in your network, but you will be required to see an in-network doctor for specialist referrals.

2. You’ll also need to consider your family’s current and future needs and make sure you choose a plan that covers everything. For example, those families who currently have one or more children in college may want to consider going with a plan that will cover adult children. If you are pregnant or plan to become pregnant, your plan should definitely include maternity coverage for expecting mothers.

3. Before you sign on the dotted line, you’ll need to make sure that the doctors you’d like to work with will be in your health care network. This is especially important if you will be selecting an HMO plan or can’t afford to pay out additional money with a PPO or POS plan. Knowing that you’ll be able to see a doctor you know, like, and trust will help you feel much more comfortable about the plan you’re choosing.

Choosing the right Health Insurance in Austin TX is one of the most important things you’ll ever do for you family. If you need help comparing plans and weighting your options, get in touch with Patrick Court at State Farm. You’ll be able to speak with an experienced professional who will not only take the time to explain your options, but he’ll make sure you end up with a plan that gives you peace of mind that you’ll be covered no matter what happens.