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How to Get the Right Medical Option

Now that you understand the basics, it’s time to put it all together. Get confident in your choices—before you enroll—by finding answers to some really important questions. And breathe easy knowing online tools will make it easy to make it yours.

Don't wait. Get ready now so when it’s time to enroll, you’ll have answers to the following questions.

Which Providers Are in the Carrier’s Network?

Why It Matters
Seeing out-of-network providers will cost you more—sometimes a lot more. For example, you will have to pay more through a higher deductible and higher coinsurance. You'll also have to pay the entire amount of the out-of-network provider's charge that exceeds the maximum allowed amount.

What to Do
Choose an insurance carrier whose network includes providers (e.g., doctors, specialists, hospitals) critical to your care.

Do not rely on your provider’s office to know the carriers’ network(s). To search for providers:

  • Check out the insurance carrier preview sites.
  • When you enroll, check the networks of each insurance carrier you’re considering on UPoint at upoint.aon.com. For the best results, search for your provider by name—not medical practice—and only the office location where you will visit the provider.

Important! Do not rely on your provider’s office to know the carriers’ network(s). If you have any uncertainty or, for instance, you will cover out-of-area dependents, you need to call the insurance carrier to confirm whether a provider participates in a carrier’s network.

Even if you can keep your current insurance carrier, the provider network could be different and can change, so always check the provider networks before making a decision.


How Will My Prescription Drugs Be Covered?

Why It Matters
Each medical insurance carrier’s pharmacy benefit manager has its own rules about how prescription drugs are covered. To avoid potentially costly surprises, you need to do your homework.

What to Do
If you or a covered family member regularly takes medication, make sure you’re comfortable with the carrier’s coverage for drugs you and your covered family members need:

  • Call the medical insurance carrier before you enroll. Get a list of prescription drug questions to ask the insurance carriers.
  • If you’re currently taking a more expensive brand name prescription drug, ask your doctor (or pharmacist) if a generic is available to you.
  • When it’s time to enroll, you can use the prescription drug search tool to look up your medication, see how it will be classified (Tier 1, Tier 2, Tier 3), and more.

Which Medical Coverage Level Is Best for Me?

Why It Matters
You want to get the right amount of coverage for your needs at the best price. Get help choosing the right level of coverage.

What to Do
If you need help deciding, there are tools to help you:

  • Get an overview of your medical coverage levels.
  • See which coverage level could be best for you with the Help Me Choose tool. By answering a few questions about your preferences when you enroll, you can see which option could be a good fit for you and your family.
  • Compare your options side by side when you enroll on UPoint at upoint.aon.com. Just check the boxes next to medical options you want to review and click Compare. You can quickly see which options cost more out of your paycheck and which options cost more when you get care. (You may also find Summaries of Benefits and Coverage for comparison on UPoint at upoint.aon.com.)

Which Medical Insurance Carrier Is Best for Me?

Why It Matters
All insurance carriers are different. Each carrier will offer its own price for each coverage level, and you'll be able to see all of the prices in one place on UPoint at upoint.aon.com. (Note: The benefits provided under a coverage level will be very similar across carriers, but there could be some differences.)

What to Do
If you need help deciding:

  • See how other people rate their health carriers on UPoint at upoint.aon.com anytime.
  • Compare the details, when you enroll online, by checking the boxes next to medical options you want to review and clicking Compare. That makes it easy to see which carrier is offering you the best deal. (You may also find Summaries of Benefits and Coverage for comparison on UPoint at upoint.aon.com.)
  • Browse the carrier preview sites to learn about programs, tools, and other considerations that could influence your decision.

Ready to enroll? Find out how.


Make It Yours To Go