Health insurance is a vital part of getting the care that you need to stay healthy and happy. Open enrollment for health insurance plans typically starts November 1st and runs into December. However it is important to do your research beforehand so you are prepared when it comes time to choose a new plan. Listed below are our top three points to consider and remember when researching health insurance plans.
- Check network status of your current doctors and hospitals
- Some doctors or practices may be in network with an insurance company as a whole, but out of network with a specific plan within that network. Be sure to write down all of the doctors that you see so you can ensure they are in-network with the new plan. The insurance companies will have the plan-specific information for you.
- Be sure to know what hospitals near you are in the network of your chosen plan in the event of an emergency or necessity for a procedure.
- Your budget and healthcare needs
- Insurances are providing more plan options to meet the needs of the population. Keep in mind that some lower-cost plans may include restrictions with in-network doctors, authorization requirements, and out-of-pocket expenses.
- Be sure to verify coverage and estimated cost for any upcoming procedures and appointments.
- Research in advance- know your options
- By researching in advance, you will be more well informed and prepared when it comes time for open enrollment. Call prospective insurance companies and collect information about each plan you may be interested in. Without the pressure and stress of last-minute split decisions, the already stressful process may go a lot smoother.
Resources:
Florida Medicaid: https://www.flmedicaidmanagedcare.com/
Medicare: https://www.medicare.gov/
National Insurance Resources: https://www.healthcare.gov/
If you have any questions or concerns about your insurance coverage with our clinic, please call your insurance provider for plan-specific information.