Consider a few key life factors that affect your health plan selection:
Survey your spending: How and where do you want to spend your healthcare dollars? On a higher monthly rate with less out-of-pocket for healthcare? Or would you rather save on the monthly rate and pay toward a higher deductible if and when costs arise?
Set your priorities: Evaluate your cash flow needs and examine your family's health situation to get a sense of what kinds of expenses are likely to arise and how you may be best equipped to manage them.
Consider your life stage: Where you are in your life — just starting out, getting married, beginning a family or thinking about retirement — can have a huge impact on what kind of health plan is right for you.
Here is a quick glance at GuideStone Insurance Plans.
|
Health Plan |
Monthly Rate |
Medical Deductible (individual/
family) |
RX
Deductible (individual/
family) |
Plan Pays/
You Pay (coinsurance
after deductible) |
Coinsurance Annual Maximum |
Copays (primary/
specialist) |
|
Health Choice 5000 |
$ |
$5,000/
$10,000 |
$100/
$200 |
70%/
30% |
$7,000 |
$25/$45 |
|
Health Choice 3000 |
$ |
$3,000/
$5,000 |
$100/
$200 |
70%/
30% |
$5,000 |
$25/$45 |
|
Health Choice 2000 |
$ |
$2,000/
$4,000 |
$100/
$200 |
80%/
20% |
$5,000 |
$25/$45 |
|
Health Choice 1000 |
$$ |
$1,000/
$2,000 |
$50/
$100 |
80%/
20% |
$4,000 |
$25/$35 |
|
Health Choice 500 |
$$ |
$500/
$1,000 |
$50/
$100 |
80%/
20% |
$3,000 |
$25/$35 |
|
Health
Today |
$$$ |
None |
None |
80%/
20% |
$4,000 |
$20/$30 |
|
Health Saver 2800 (HSA eligible) |
$ |
$2,800/
$5,600 |
Must meet medical deductible |
80%/
20% |
$3,000 |
Must meet deductible |
For rates in your area, use the online Get a Quote! tool. You may also view a more detailed comparison of the GuideStone PPO Medical Plans.
For additional information, or if you're still not sure which plan is right for you, please email us or call 1-888-98-GUIDE (1-888-984-8433).