Consider a few key life factors that affect your health plan selection:
Survey your spending: How and where do you want to spend your health care dollars? On a higher monthly rate with less out-of-pocket for health care? 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 are a few key questions that will get you started in the right direction:
| Do you... |
Then consider plan... |
| Use only basic health care services and want lower monthly costs? |
Health Choice 5000 or Health Choice 3000 |
| Visit the doctor often and want to control expenses? |
Health Today |
| Want a balanced mix of monthly cost and comprehensive coverage? |
Health Choice 1000 or Health Choice 2000 |
| Value rich coverage over lower monthly costs? |
Health Legacy 200 or Health Choice 500 |
| Want tax-advantaged savings for the future? |
Health Saver 2800* |
*Health Saver 2800 available 1/1/2009
Here is a quick glance at GuideStone Insurance 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).
|
Health Plan |
Monthly Rate |
Medical Deductible (individual/
family) |
RX
Deductible (individual/
family) |
Plan Pays/You Pay (after deductible) |
Out-of-Pocket 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 |
$$$ |
None |
None |
80%/20% |
$4,000 |
$20/$30 |
|
Health Legacy 200 |
$$$ |
$200/$400 |
None |
90%/10% |
$2,000/$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.