Choosing the Right Health Plan: A Comprehensive Guide

how to choose a health insurance plan

When it comes to healthcare, choosing the right health plan is crucial. With so many options available, it can be overwhelming to make a decision. But worry not, we’re here to help you navigate through the process and find the perfect health plan for you and your family.

How to Choose a Health Plan

how to choose a health insurance plan

When selecting a health plan, there are a few key factors to consider:

  • Coverage of Preferred Doctors: Check if the plan includes the doctors you already trust and prefer. It’s essential to have a healthcare provider you are comfortable with.
  • Plan Ratings: Look into how the plan is rated on issues that matter to you and your family. You can find valuable insights from people who have shared their experiences and rated the plans based on the services provided.
  • Value-Added Services: Explore the additional services offered by each health plan. From 24-hour nurse hotlines to specialized care for specific medical conditions, value-added services can make a significant difference in your healthcare experience.

To assist you in this important decision, we provide tools that can help you compare and choose the best plan for your needs.

Find a Doctor

Every health plan has a network of healthcare providers, including doctors and clinics, that you can visit for your medical needs. If you wish to continue seeing your current doctor, check if they work with the health plan you are considering. You can also use the search tools on health plan websites to find out if your doctor is listed as a provider.

Health Plan Report Cards

To help you make an informed choice, people across the state of Texas have shared their feedback on their health plans. These plans are rated on a scale of one to five stars, based on the quality of services provided. You can compare the plans by looking at the overall ratings or focusing on the specific services that matter most to you and your family.

You can find the health plan report cards on the Managed Care Report Cards page. Simply select the program you are enrolled in and find your service area to access the plans available to you.

Value-Added Services Charts

Value-added services are additional offerings provided by health plans to enhance your healthcare experience. These services can range from a 24-hour nurse helpline to specialized assistance for specific medical conditions such as asthma.

To explore the value-added services offered by each health plan, refer to the following charts:

  • STAR
  • STAR Kids
  • CHIP

By reviewing these charts, you can gain a better understanding of the additional benefits each health plan provides.

Changing Your Health Plan

In some cases, you may need to change your health plan. Here’s what you need to know:

  • If your current health plan is no longer available in your service area, you will have to select a new plan.
  • Medicaid plan members can change their health plan at any time.
  • CHIP members can only switch plans during the first 90 days of enrollment.
  • CHIP Perinatal members can change their plans within the first 120 days of enrollment.

Please note that changes typically take 15 to 45 days to process. If you wish to change your health plan, contact the Texas Enrollment Broker Helpline at 800-964-2777 or log into your Your Texas Benefits account.


Q: What is the importance of choosing the right health plan?

Choosing the right health plan ensures that you have access to the doctors you prefer and the services that matter most to you and your family. It can significantly impact the quality of your healthcare experience.

Q: Can I continue seeing my current doctor with a new health plan?

It depends on whether your doctor is listed as a provider in the new health plan you choose. You can check with your doctor or use the search tools available on health plan websites to find out if they are part of the network.

Q: Can I switch my health plan if I am not satisfied?

Yes, you have the option to change your health plan if you are not satisfied with the current one. The process and timeframe for switching plans may vary depending on your program (Medicaid or CHIP), so it’s important to be aware of the specific guidelines.


Choosing a health plan is an essential decision that can impact your well-being and overall healthcare experience. By considering factors such as preferred doctors, plan ratings, and value-added services, you can make an informed choice. Remember, we’re here to assist you every step of the way in finding the perfect health plan for you and your loved ones.

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