 [ Symptoms ] i had intercourse with bf think he tore something inside me bleeding i am scared [ Disease ] figuring out which insurance plan will best meet your health needs for the coming year is far from simple if you get your insurance through an employer you will likely be given a few plan options from which to choose if you buy insurance in the private market you can search for plans available in your area and compare the benefits side by side at either healthcare gov or ehealthinsurance com when evaluating each plan take the following factors into consideration do the math estimating what your out of pocket costs will be over the course of the next year is one of the most important considerations when choosing a health plan that means calculating the cost of items such as expected deductibles co pays co insurance and prescriptions once you have added the numbers ask yourself is it cheaper to purchase a high deductible plan with a lower monthly premium that costs me more before benefits kick in or do i see a doctor frequently enough to make it worth my while to pay more each month for a plan that covers costs right away for each doctor visit or treatment also factor in your worst case scenario what will your maximum financial exposure be if you get sick and need serious medical care most insurers offer plan modeling tools on their web site to help you factor in how many times you typically see a doctor during the year how many prescriptions you take and whether you are planning a surgery to help you figure out what your total out of pocket costs might be and which plan options might best serve you review covered services if you are planning to become pregnant and your plan does not cover maternity care a common situation in the private market you will be left with a hefty bill upon baby is arrival carefully check out the list of excluded benefits in the health plan summary if in doubt call the insurance company directly to confirm that the type of care and services you require are covered under the plan you are considering provider networks and drug formularies is your doctor in the network are the three medications you take each month listed in the health plan is formulary if not you are in for sticker shock provider network and drug formulary information should be listed in the summary plan description or you can check the insurer is web site for that information if you are searching for insurance on your own ehealthinsurance com offers an option whereby you can type in your doctor is name to see if she or he is in a health plan is network you might also want to call your doctors directly to confirm participation