How to pick a health insurance plan

Choosing the right health insurance plan for you and your family is one of the most important steps you can take to protect your health—and your finances.
As you compare your options, it helps to know what to look for. The right plan should fit your budget, support your health needs and work with your lifestyle.

Here are a few key questions to guide your decision.

Your premium is the amount you pay each month to keep your coverage.
When reviewing plans, make sure the premium fits comfortably in your budget. If you’re covering a spouse or dependents, check how their coverage affects your total monthly cost.

What will I pay when I receive care?
In addition to your premium, you’ll share the cost of care when you use services. Understanding these costs can help you plan ahead.

• Deductible – The amount you pay out of pocket before your plan starts to share the cost of covered services.,
• Copay – A set amount you pay for certain services, like a doctor visit or prescription.
• Coinsurance – Your share of the cost after you meet your deductible. For example, you may pay a percentage while your plan pays the rest.
• Out-of-pocket maximum – The most you’ll pay for covered services in a plan year. Once you reach this limit, your plan pays 100% of covered costs

Make sure these costs feel manageable—not just for routine care, but also in case of an unexpected illness or injury.

Is my doctor in the health plan’s network?
If you have a preferred doctor, clinic or hospital, check that they’re included in the plan’s network.
Seeing in-network providers usually costs less. If you go out of network, your care may cost more, or may not be covered at all.
Most health plans offer an online provider directory to help you check.

Are my prescriptions covered?
Health plans vary in how they cover prescription drugs. Each plan has a list of covered medications, often called a formulary.
Before choosing a plan, make sure your medications are included and review what you’ll pay.

What perks and discounts are offered?
Health insurance is about more than just coverage when you’re sick, it can also support your overall health and help you save money.
With Security Health Plan, many plans include extra benefits designed to make care more convenient, affordable and easier to manage.
Depending on the plan, these may include:

• No-cost preventive care – Stay on top of your health with covered annual checkups, screenings and vaccines to help catch issues early
• Virtual care, anytime – Access care from the comfort of home with Care My Way®, offering 24/7 virtual visits or phone support for common conditions.
• Over-the-counter (OTC) credits – Some plans include a quarterly allowance to help pay for everyday health items like pain relievers, cold medicine and first aid supplies.
• Fitness and wellness discounts – Get access to programs like HUSK, which offers discounted gym memberships, fitness programs and wellness resources to help you stay active.
• Online tools and support – Manage your coverage through a secure member portal or app—track claims, find providers, access ID cards and more.
• Local, award-winning customer service – Connect with a Wisconsin-based team that can help answer questions and guide you through your care.

These added benefits can make a real difference—helping you take care of your health, save on everyday expenses and get support when you need it most.
Choosing a health plan is a big decision, but asking the right questions can help you feel confident in your choice.

Need help finding the right plan?
Explore your individual and family health insurance plan options in Wisconsin through the Marketplace. 
We’re here to help you choose coverage that fits your life and budget. Explore your options or connect with our team to get started. 

To learn more, request an agent or get a quote. If you're ready, click here to compare plans. You can also call us at (844) 679-9733 to talk to one of our experts.

Current Security Health Plan members can access their summary of benefits and coverage through our secure member portal or by contacting customer service using the number listed on the back of their member ID card.