Young people often do not have established physician relationships, so for you the restricted provider list of a managed care plan may not be a concern. If you’re healthy, you may be better off choosing the lowest cost plan available — as long as you can afford any out-of-pocket costs of that plan. For example, if you chose a lower cost plan that has a high out-of-pocket potential cost (such as a deductible or hospital pre-admission copayment), you must be able to afford that cost.
In comparison, if you are projecting significant medical expenses for the future, the plan with the least amount of out-of-pocket potential may be the best choice — presuming the provider selection is acceptable.
Note: If you’re a woman, you should check to see if your current OB/GYN doctor is a provider on the plan you’re considering. Many managed care plans today allow a woman to see her OB/GYN for an annual exam without having to be referred from a Primary Care Physician. Many OB/GYNs do not act as Primary Care Physicians in managed care plans, so it may be necessary to check the specialist section of the provider directory.
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