Choosing the right BlueCross health insurance plan for your needs is easier than you might think. Because much of the decision relates to your budget, a big part of the choice comes down to understanding the costs and benefits of health insurance. While each plan is different, the kinds of costs are all the same.
Overall, higher deductibles, copays, coinsurance and out-of-pocket costs mean a lower monthly premium. For example, plans with a lower monthly premium mean you'll pay more when you visit the doctor or get a prescription.
By contrast, paying a higher monthly premium generally means you'll have a lower deductible as well as lower copays, coinsurance and other out-of-pocket costs. So with a higher monthly premium, you generally pay less when you use your coverage.
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