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. You will also need to factor in the costs of using an out-of-network doctor or other health care provider if your provider is not in the plan's network.
You should also check to see if your doctor is included in the plan’s network. Many health insurance companies 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.