 It is hard enough to count up exactly what you will spend a year on health care. Because you do not know whether you will be ill 5 months from now and need a surgical procedure. Hopefully, you will not.
With the help of following worksheet you can make some approximate estimates. A lot will depend on what medical service you need or want, how many members your family has, your age, and other factors. Do you want or need to have your eyes tested this year? Do your children need immunizations?
Firstly, you have to look at your medical and insurance records from last year as a guide to what services you might be required this year. Add up the actual costs to you, including premiums. Assess what you might spend on your health care in terms of deductibles, coinsurance and/or co-payments, and services that are not covered.
Compare several policies to find out which is the best purchase for you.
Worksheet
The amount of your monthly premium Policy #1 Policy #2 Policy #3
Individual:
Family:
Multiply by 12 for yearly cost: The amount of your deductible
Individual:
Family: Your coinsurance rate
or co-payment
Annual limits for days or services
covered and the amount spent on you The maximum of your annual out-of-pocket The lifetime limit that you will be
reimbursed Total estimated yearly charge
to you:
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