Skip to main content
Four members do arm stretches at workplace

How to Choose a Health Plan

Finding affordable health insurance

Choosing a health plan is not easy, so we'll help you break it down. When you’re comparing options, the most cost-effective plan might not be the one with the lowest monthly premium. Instead, think about a plan’s “total cost.”

The total cost of a plan is the monthly premium and yearly deductible, in addition to the copays or coinsurance that you’ll pay when you receive services. As you review your options, think about how many times you and your family members visit the doctor, go to a specialist, fill prescriptions, etc., and consider any potential changes that might happen over the next year. Highmark Blue Shield of Northeastern New York offers many plan options for you and your family, including tiered plans that give you the same great access to doctors and hospitals, and cost savings when you use specific medical facilities and specialists.

In addition, check out other benefits that may be part of your health plan:

Consider all your options, and the benefits included to make an informed, cost-effective decision. For more help, contact us at 1-800-888-1238 (TTY 711) Monday — Friday 8 a.m. -  7 p.m. EST.