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  • year
  • If you think you won't use that much health care next year, you could get a plan that may cost less per month with a higher deductible. (anthem.com)
  • doctor
  • If you choose a plan with copay along with a deductible, you only need to pay the copay for most doctor visits. (anthem.com)
  • These plans may be a perfect fit if you aren't settled on a particular doctor yet - or if your doctor is already in that plan's network (also called an in-network doctor). (anthem.com)
  • With some HMO plans, you'll need to choose a main doctor, also called a primary care physician (PCP), from the HMO network. (anthem.com)
  • costs
  • Some plans cost less monthly, but then pay slightly less of your care costs. (anthem.com)
  • These plans often require that you pay all of your medical costs up to a certain amount, usually several thousand dollars - although some also cover some preventive care like checkups. (anthem.com)
  • options
  • When you compare options, it's important to understand some of the ways plans are structured. (anthem.com)