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UnitedHealthcare answeredReview your health care costs and try to estimate how much you spend on health care and how much you may spend in the coming year. Some health plans have tools to help you estimate your costs. Remember to factor in doctor's visits, prescription medications and procedures. After you have estimated how much you expect to spend, make a list of the out-of-pocket expenses, premiums and benefits of each plan you're considering. These can include co-payments, deductibles and fees for seeing specialists. Many health plans establish provider networks that include doctors, hospitals and other health care providers who have contracted with the health plan to provide care at special rates. You will also need to factor in the costs of using an out-of-network doctor or other health care provider you choose that is not in the plan's network. You should check to see if your doctor is included in the plan's network.Helpful? 2 people found this helpful.